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30 Year Term Life Insurance
The 30 year term life insurance policy offers you security that is different from other insurance policies because of its longevity and guaranteed premiums. The 30 year term life insurance policy (considered by insurance companies to be temporary) can be a lifetime for some individuals. With the 30 year term life insurance, most providers offer coverage from $25,000 up to $2 million.
Comparing the 30 Year Term Life Insurance Policy with Other Policies
The difference between 30 year term life insurance and permanent life insurance policies is the premium rates. The 30 year insurance rates stay the same throughout the life of the insurance policy. For example, if you buy a 30 year term life insurance policy at age 25, you will still pay the same amount for your coverage at age 54. At the time your 30 year term life insurance needs to be renewed, you can decide if the insurance policy is right for you.
Benefits of the 30 Year Term Life Insurance Policy
The 30 year term life insurance can both protect individuals and businesses. There are many ways the 30 year term life insurance policy can benefit you in case of an untimely death. Below are examples of when it may be beneficial to have a 30 year term life insurance policy.
- Mortgage payoff
- College tuition
- Medical Expenses
- Provide financial security for children
Companies that Offer 30 Year Term Life Insurance Policies
Many top companies offer 30 year term life insurance. Companies have different premiums based on factors like age, health, lifestyle, and livelihood. Whether or not you smoke tobacco can influence your life insurance rates. The 30 year term life insurance policy for smokers may be significantly more expensive than for non-smokers. Most companies require that you be tobacco free for more than 12 months before becoming eligible for a non-tobacco 30 year term life insurance policy.
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