If you’ve been searching for the best 30 year term life insurance rates but have yet to find a policy for a price you can afford, it’s time you used TermLife-Insurance.com's quote form tool. Quickly and easily, you can receive 30 year term life insurance rates from among the more than 40 providers with which we work. Should you need any assistance or questions answered, feel free to contact our team of licensed life insurance agents, who are standing by to help.
At TermLife-Insurance.com, you will find we can put you in touch with providers who not only offer 30 year term life insurance rates but also terms as short as 10 year life insurance plans all the way up to even 40 in some cases. Finding and buying the term life insurance you want and need for a price you can afford to pay has never been easier!
With a 30 term life insurance policy, your beneficiaries will be protected should you die within that predetermined time period. Term life insurance offers flexibility that you just can’t find with whole life insurance, both in terms of the policy period and the price. So, while you may know that you want insurance coverage, you may not need it for the rest of your life.
Consider the following scenario: you and your wife have young children, ages 2 and 4. You want to be able to protect them financially, should something happen to either one of you, so you decide to purchase life insurance. Where term life insurance may be a better-suited option is that you can find 30 year term life insurance rates that are affordable and the policy will cover your children until they’re well into adulthood. In cases like this, a 30 year term life insurance policy would be a great option to pursue.
Don’t hesitate on purchasing your term life insurance any longer because some major life insurance companies are starting to pull 30 year plans off the shelf. Life insurance companies are not getting the rate of return they once were able to get and it has forced them to stop offering the plans altogether in some cases. So if your looking to get a thirty year policy you should act fast. We know which companies are still offering the plans and which companies can offer affordable rates still.
Like any term life policy you can buy a 30 year term policy without taking a medical exam. However, it will cost more if you do not take an exam. Some people think assume that if their is no medical exam that they don't have to go through underwriting, which is not the case. Your application will still go through underwriting. You will just not have to go through the para medical exam in which a nurse would come to you to perform a physical and draw blood. The life company will still review you medical records and check the prescription data base to make sure you qualify for the policy. If you want quote for a 30 year term policy with no medical exam you need to call us for that type of quote, as you will not be able to get it with our rater above.