What Level Of Life Insurance Do I Need? 
When the word `` level '' is used in the context of life insurance , it usually refers to a guaranteed level premium , or guaranteed level face amount . This means that the premium or face amount will stay the same -LRB- level -RRB- for a set amount of time . I recommend getting a level premium and face amount for as long as possible . 30 years is reasonably priced level term insurance for younger to middle aged persons . 