If you are in your twenties or thirties, a 30 year term policy is your best option. The rates are very affordable, and getting accepted is very easy.
If you have some kind of medical condition or engage in some high risk activities (rock climbing, scuba diving, flying an airplane, etc.), then getting accepted may be difficult, but otherwise, you are ok.
Click here for your own rates!
As an example, if you are a 30 year old woman, non-smoker, in fair health, you can get a 30 year level term life policy in the amount of $300,000 for as little as $20 per month. If you are a smoker, the same insurance policy will be around 3 times more ($50 to $70 per month). Being a smoker is one of the main factors that drives up the price of life insurance.
Costs of a life insurance policy for a person in their twenties are even cheaper, for example: A 25 year old in good health, non-smoker, can get a 30 year, $250,000 life insurance policy for only $20 per month. See if you qualify for these low rates!