30 YEAR TERM LIFE INSURANCE QUOTES, RATES, AND EXPERT TIPS

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Want to find out more about 30 year term life insurance?

  • What does 30 Year Term Life Insurance mean?
  • When do you need 30 year level term life insurance?
  • How does Term 30 Life Insurance compare to other life
    insurance products?
  • What are 30 year term life insurance quotes?
  • 20 vs 30 year term life insurance
  • 30 Year Term Life Insurance No Medical Exam

Why Choose LSM Insurance For Term Life Insurance

  • We work with experienced and reputable independent brokers across Canada
  • LSM Insurance is one of the most respected life insurance brokerages in Canada
  • We work with more life insurance companies than the majority of brokers (15+ insurers)
  • We have been serving Canadians for over 25 years

LSM Insurance is accredited by:


Customer testimonials

 
Maher and Salwa Rizkalla:

“… We have been clients of LSM Insurance for over nine years, and we have always found the LSM team very responsive to all our insurance and financial needs…”

 
Wilhelmus William:

“… We found our meeting with Aman Kapur from LSM Insurance to be very informative. Aman helped us in clarifying all our doubts and in answering all our questions about life insurance.…”

 
Tim Landry:

“… They are true quality professionals who care about their clients and truly work for THEM. I can honestly say that – if you are looking for any product they sell, you should deal with LSM…”

 
Kumar Sinniah:

“… We got talking to Aman while looking for life insurance. We wanted a detailed insight to the several options available to us. We found Aman very knowledgeable in the subject of insurance. As a broker he could explain the various products and plans to us.…”

Interested in term 30 life insurance or have questions?
Please complete the form above.

What does 30 Year Term Life insurance mean?

30 Year Level Term Life Insurance is a type of Term life insurance. It covers a policyholder for a clearly defined term of 30 years (thus, it is called Term 30). Should a policy holder pass away within this time frame, his/her beneficiaries will receive the coverage amount. After 30 years, this policy comes to an end (coverage disappears). A picture below shows a sample premium structure.

If you want to extend a 30 year term life insurance policy, most likely, your insurance company will require you to get another quote. The new term life insurance policy will be typically more expensive because life insurance rates become higher as you get older (see an example below).

Interested in term 30 life insurance or have questions?
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When do you need 30 year term life insurance?

30 year level term life insurance, or Term 30 Life Insurance, provides a coverage for 30 years and is optimal in particular situations. Here are a few examples:

  • You want to make sure your kids are well off (if you pass away) until they are able to live on their own. The term will surely cover the entire time as your children grow and become independent.
  • You want clearly defined protection for 30 years to protect yourself and your family (e.g. while paying off a 30-year long mortgage).
  • You want to minimize your insurance premiums for the next 30 years while having life insurance coverage. Term 30 is one of the cheapest options that you can choose from. It is important, though, to know that these premiums may significantly increase when you renew your policy.

Interested in term 30 life insurance or have questions?

How does Term 30 Life Insurance compare to other life insurance products?

Here is a brief comparison of how 30 year term life insurance compares to whole life insurance and universal life insurance.

 

30 Year Term Life Insurance

Whole Life Insurance

Universal Life Insurance

Coverage length

30 year coverage

Life long

Life long

Insurance coverage

Yes

Yes

Yes

Cash accumulation

No

Yes

Yes

Can choose amounts going into insurance and cash accumulation

No

No

Yes

Pricing

Lower than Whole Life and Universal Life

More expensive than Term Life

More expensive than Term Life

Interested in term 30 life insurance or have questions?
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What are 30 year term life insurance quotes?

Below are a few examples of 30 year term life insurance rates/quotes. It is important to remember that any life insurance quote depends on multiple factors and may vary from person to person (e.g. based on your health condition).

30 Year Term Life Insurance quote

Male, 29 years old, 30 Year Life Insurance Term, Non-Smoker, coverage amount $250,000

Rate: $27 / month

30 Year Term Life Insurance quote

Female, 36 years old, 30 Year Life Insurance Term, Non-Smoker, coverage amount $400,000

Rate: $46 / month

30 Year Term Life Insurance quote

Female 47 years old, 30 Year Life Insurance Term, Non-Smoker, coverage amount $350,000

Rate: $99 / month

Interested in term 30 life insurance or have questions?
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20 year vs 30 year term life insurance

Below are a few examples of 20 and 30 year term life insurance quotes for $300,000 coverage. It is important to remember that any life insurance quote depends on multiple factors and may vary from person to person (e.g. based on your health condition).

 

30 Year Term Life Insurance rates

20 Year Term Life Insurance rates

Male, 25 years old, non-smoker

$36 / month

$26 / month

Female, 25 years old, non-smoker

$25 / month

$19 / month

Male, 40 years old, non-smoker

$80 / month

$47 / month

Female, 40 years old, non-smoker

$61 / month

$34 / month

Interested in term 30 life insurance or have questions?
Please complete the form above.

30 Year Term Life Insurance No Medical Exam

30 year term life no medical exam insurance, is a subset of no medical term life insurance. It is a version of life insurance that does not require medical tests (also called simplified issue life insurance). Some no medical life insurance types go even further and do not even require a medical questionnaire (also called guaranteed issue life insurance).

This is a great insurance choice for those who would not be approved for traditional (also called standard) life insurance, which comes with medical tests and a questionnaire to complete. Our insurance experts will help you with all of your no medical life insurance choices.

Interested in term 30 life insurance or have questions?
Please complete the form above.