text: a 30 yr term policy is not a good choice--you will overpay the premium the first 15 yrs, and underpay the 2nd 15 yrs, to get a level premium.. a better choice would be ART, annually renewable term..this is more a pay-as-you go premium..it increases some every yr, yet you don't overpay in the early yrs to get a level premium..also, you can renew it for as long as you want to keep the policy.. much more flexible, and a better value, premium wise..look for an Independent Insurance Agent in the yellow pages, under life insurance.. that is someone who represents several different companies..he/she will search out the best value for you, based on your circumstances.. any other ??..holler back at me..good luck to you..i am a retired Independent Insurance Broker for life and health insurance, and a retired CPA, CFP, & LUTCF also.....