Which Term Life Insurance Is Good? 
The best type of term life insurance is level term , meaning that the premiums are guaranteed not to go up for the full years of the term . In my opinion , locking in a premium for a longer term -LRB- 20 or 30 years -RRB- is preferable if you have good health when you purchase your policy , or have a chronic condition that could cause you to pay very high rates in the future . Another rule of thumb is to match the term with your need . E.g. . If you have 15 years left on your mortgage , getting 15 year term life insurance is a good choice . 