A 30-year term provides the longest fixed-rate term life coverage available. It’s the gold standard for young families, new homeowners, and anyone who wants maximum protection locked in at today’s rates. Your premium stays the same for three full decades – no matter what happens with your health.
For Los Angeles families just starting out, a 30-year term provides peace of mind through mortgages, child-rearing, college funding, and beyond. TermHero compares rates from 30+ carriers to find the best deal.
Why Choose a 30-Year Term?
Lock In Today’s Low Rate
Life insurance rates increase every year you age. A 30-year term locks in your current health and age for the next three decades.
Match Your Mortgage
Most Los Angeles homeowners carry a 30-year mortgage. Matching your life insurance term to your mortgage ensures your family can keep their home no matter what.
Cover Kids Through Adulthood
A 30-year term started when your child is born covers them until they’re 30 – well past college graduation and into financial independence.
Convertible
Like shorter terms, most 30-year policies include a conversion option to permanent coverage during the term.
Sample Monthly Rates – $500,000 Coverage, 30-Year Term
Rates shown are for a healthy non-smoker:
- Age 25: $25-32/month
- Age 30: $30-38/month
- Age 35: $38-48/month
- Age 40: $55-72/month
- Age 45: $90-120/month
The difference between a 20-year and 30-year term is often just $8-15/month – a small price for 10 extra years of protection.
Who Should Get a 30-Year Term?
- New parents who want coverage until their child is financially independent
- New homeowners with a 30-year mortgage
- Anyone under 40 who wants to lock in the lowest possible rate for the longest period
- Couples planning a family who want coverage in place before kids arrive
Lock In Your 30-Year Rate Today
Every year you wait, your rate goes up. Get a free 30-year term quote today and lock in your current age and health.
Call (818) 222-2300 or get your free quote