30 years is a bit too long. Even if you are 20 now, you will be over 50! ! ! Twenty years is a long time, and there are too many uncontrollable factors behind it. Personally, I suggest you re-plan your insurance plan and see how different it is to pay for 30 years, pay for 20 years, and 10. 15 suggestion is almost enough.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.