I would suggest Annual Renewable Term (ART) rather than a 30 year fixed term. If a 22 year old gets a 30 year term what will he do when he’s 52 and still needs term insurance? Renew at, possibly, astronomical unaffordable rates due to his then age and health? ART, on the other hand, can be renewed annually till age 90 or 100 in most State (70 in New York). And you are advised what the rate will be for each future year before you purchase the policy. (The rate specified does not change regardless of future health so long as the premiums are paid each year.)
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