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Best Life Insurance rates for a 30 year old

Life insurance 30 years oldTermLife2Go focuses on the top rated life insurance companies. Whether you are considering an exam or want no exam life insurance, we have the right company for you. Each recommendation is tailored to your unique health profile so you can achieve your goals of finding the best life insurance at age 30. Call today!

Life insurance Thirty (30) Year Old

There’s just something about turning 30 that makes people start thinking about getting life insurance.  Which, as it turns out, is a great thing because buying life insurance at age 30 is generally:

-Inexpensive (see life insurance rates by age)
-Easy to qualify for, and
-Will provide applicants with the most options to choose from.

Buying life insurance at age 30+ is really affordable because most individuals will be looking at purchasing a term life insurance policy that will provide coverage for the next 10, 15, 20, 25 or 30 years.

Term life is typically recommended due to its relative affordability and due to the fact that as one ages, generally their insurance needs will decline.  For this reason most financial advisors recommend a term life policy over a whole life insurance policy.

For example, a 30 year old male in perfect health taking out a $250,000 20 year term policy would pay about $13 a month. And a universal life policy for $250,000 to age 100 would run a little over $77 a month. That same 30 year old male would only pay $20 a month for a non medical exam term life insurance policy. And see how affordable a million dollar life insurance policy is.

Sample life insurance age 30 quotes

all quotes are based on a male at a preferred plus rate class

Face Amount
10 year
20 year
30 year
GUL to 121
$25,000
N/A
N/A
N/A
$24.62
$50,000
$6.13
$7.35
$11.88 (no med)
$34.41
$100,000
$7.32
$9.50
$12.86
$41.70
$250,000
$9.83
$13.56
$20.34
$87.06
$500,000
$14.35
$21.10
­$34.20
$163.19
$1,000,000
$21.70
$36.20
$60.50
$313.91

Sample life insurance age 30 quotes

all quotes are based on a female at a preferred plus rate class

Face Amount
10 year
20 year
30 year
GUL to 121
$25,000
N/A
N/A
N/A
$22.75
$50,000
$5.91
$6.87
$10.60 (no med)
$30.98
$100,000
$7.06
$8.66
$11.81
$37.45
$250,000
$8.95
$12.25
$17.50
$72.41
$500,000
$12.62
$18.55
­$28.08
$133.88
$1,000,000
$19.14
$30.45
$49.25
$256.38
Easy to qualify for:

Buying life insurance at age 30 is usually easy to qualify for because most applicants are pretty healthy at age 30.  Thirty year olds generally haven’t been diagnosed with:

Now if you have one of these conditions already then it would be advisable to get life insurance as soon as possible. These conditions can worsen over time and make life insurance either too expensive or unobtainable.

More options to choose from:

Buying life insurance at age 30 also provides applicants with the widest variety of products to choose from.  Since 30 year old applicants are generally pretty healthy and since rates are going to be low to begin with, applicants should be encouraged to look at all of the different types of life insurance policies available to them. Options such as:

  • 25 and 30 year Term Life Insurance policies.
  • Return of Premium Insurance policies.
  • Whole Life Insurance policies.
  • And Universal Life Insurance policies.

When buying life insurance at age 30 it may make sense to go try to lock down coverage for your entire life.However, you may also need to consider going with a higher face amount and shortening the term length if you need to choose between one or the other due to finances. That is where TermLife2Go steps in.

About TermLife2Go

By working directly with TermLife2Go you will have an assigned agent dedicated to your application.  This agent will be available to you throughout the entire application process; he or she will provide you with status updates as your application goes through underwriting and will also review your application at time of approval to ensure that you are still getting the best deal out there!

So what are you waiting for?  Just give us a call to see just what we can do for you!

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TermLife2Go Mission

To empower our customers through knowledge and expertise so our clients secure the best and most appropriate insurance coverage available providing peace of mind to our clients and their loved ones.

About TermLife2Go

Our licensed professionals have over two decades worth of experience and will help you choose the best life insurance company for the lowest price based on your specific needs and lifestyle. Find out more about us here.