The total payment in 20 years is less than that in 30 years, but the annual payment will definitely be high. If the economic situation is suitable, pay 20 years. If you feel pressured, pay for 30 years.
Insurance is a method of risk control. Guaranteed insurance pays attention to exchanging as little money as possible for as much protection as possible. For example, if I buy a critical illness insurance, I have to pay 4500 yuan every year for 20 years and 3800 yuan every year for 30 years. I also got 654.38+million medical expenses in five years after I bought insurance, which is definitely more than what I paid in 30 years. Of course, this just shows that choosing long-term payment is conducive to avoiding risks.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.