Americans are living longer. Thatlongevity figures to be reflected in lowerrates for term life insurance, some industryexperts say. These experts predictsavings of as much as 15% on a 30-yearlevel-term policy. If you're in the marketfor term life insurance, you can obtaincomparative quotes from several differentinsurers at Web sites like InsWeb.com, SelectQuote.com, or Term4Sale.com. A recent visit to InsWeb showedthat a 30-year-old, nonsmoking femalewould pay about $57 a month for a $1-million, 30-year term policy. For a 20-year policy, the monthly premiumwould run close to $37.