30-year term life insurance is one of the longest term policies available, giving families three decades of guaranteed protection and stable premiums. It’s a popular choice for parents, homeowners, and anyone with long-term financial responsibilities. At Diversified Insurance Brokers, we help clients compare 30-year term policies to lock in affordable rates that provide peace of mind well into the future.  Interested in a longer term, like 40-year term?  Learn more.

What Is a 30-Year Term Life Policy?

A 30-year term life insurance policy provides guaranteed level premiums and a fixed death benefit for three decades. It is often the longest term offered by most carriers, making it ideal for individuals who want extended coverage without committing to the higher costs of permanent insurance.

Benefits of a 30-Year Term Policy

• ✅ Protects your family during the years they depend on you most
• ✅ Locks in affordable rates for 30 years
• ✅ Covers major obligations like a mortgage or children’s education
• ✅ More affordable than whole life or universal life insurance

Things to Consider

• Premiums are higher than 10- or 20-year policies
• Coverage ends after 30 years unless renewed
• May not be offered by all carriers

Comparison: 20-Year vs 30-Year vs Permanent

Case Example

A 32-year-old parent purchased a $500,000 30-year term life insurance policy to cover their mortgage and provide income replacement until retirement. This guaranteed coverage ensured their family would be protected through their children’s college years and beyond, at a rate locked in for three decades.

Who Should Consider a 30-Year Term Policy?

• Young families wanting long-term security
• Homeowners with 30-year mortgages
• Parents planning for children’s education costs
• Individuals seeking extended protection at lower cost than whole life

Why Work With Diversified Insurance Brokers?

Since 1980, Diversified Insurance Brokers has helped families secure affordable life insurance policies for every stage of life. With access to 75+ carriers, we compare 30-year term options alongside shorter and permanent policies to find the right balance of cost and protection. Learn more about our life insurance options, explore burial insurance, and watch why families choose to work with us.