Term life insurance pays your beneficiaries a death ... If the premiums are level, meaning they don’t change over time, that means you could pay as little as $9,000 over the entire 30-year ...

Group term life insurance (GTL) is a common benefit provided ... If you need more insurance than that, adding to your employer coverage may mean paying some tax, but it could still be a relatively ...

Long-term care insurance policies use level premiums, meaning that after you sign up, the insurer cannot increase the cost based on your age and health. Buying younger can lock in a better deal.