Average Costs of a $25,000 Life Insurance Policy
The costs of getting a $25,000 life insurance policy will vary depending on your gender, health status, medical history, and most importantly, your age.
Typically, a 60 year old woman will pay around $20 per month for a 20-year term life insurance policy with a death benefit of $25,000. As you age, rates go up, so a 70 year old woman would pay about $116 for the same $25K policy.
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$25,000 is typically an amount of coverage senior men and women purchase to cover final expenses, like funeral, cemetery plot and burial, but it's important to consider what other expenses you may need to cover with your policy - for example, debts, medical bills, etc. In this case, you may need a bit more coverage.
Purchasing a life insurance policy, even if just $25,000, is a great way to bring peace of mind to you and your loved ones - they'll appreciate it.
Choose age bracket for your $25,000 life insurance rates:
Is $25,000 Enough Life Insurance Coverage?
Depending on your situation, $25K may not be enough coverage. Make sure to discuss the matter with your family and loved ones to ascertain what's the best life insurance option for you - they can bring insights that you did not think off.
"Secure your family's financial future and protect them from hardship by obtaining life insurance. Don't wait, take action today."
Think of your family and loved ones while you are still alive. Buying life insurance coverage to pay for final expenses will ensure your beneficiaries will have money to pay your funeral and any outstanding debts - don't leave them with your financial obligations.
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Example $25,000 life insurance rates for different age females:
The monthly rates shown are for a 20-year term life insurance policy.
| Age | $25,000 |
| 25 Year Old Woman | $5.55 |
| 30 Year Old Female | $5.54 |
| 35 Year Old Woman | $6.55 |
| 40 Year Old Female | $7.63 |
| 45 Year Old Woman | $8.72 |
| 50 Year Old Female | $10.65 |
| 55 Year Old Woman | $13.82 |
| 60 Year Old Female | $18.29 |
| 65 Year Old Woman | $29.16 |
| 70 Year Old Female | $116.33 |
| 75 Year Old Woman | N/A |
| 80 Year Old Female | N/A |
10/27/2024 - These insurance premiums are just rough estimates. Your costs will most likely be different.
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Example $25,000 life insurance rates for a male:
The monthly premiums below are for a 20-year term life insurance policy.
| Age | $25,000 |
| 25 Year Old Man | $7.28 |
| 30 Year Old Male | $6.92 |
| 35 Year Old Man | $7.55 |
| 40 Year Old Male | $8.22 |
| 45 Year Old Man | $9.79 |
| 50 Year Old Male | $12.25 |
| 55 Year Old Man | $16.00 |
| 60 Year Old Male | $24.74 |
| 65 Year Old Man | $36.26 |
| 70 Year Old Male | $116.55 |
| 75 Year Old Man | -- |
| 80 Year Old Male | -- |
10/27/2024 - These premiums are just very rough estimates. Your prices will most likely be different.
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Average $25,000 permanent life insurance rates for a male:
| Age | $25,000 |
| 25 | $27.86 |
| 30 | $30.88 |
| 35 | $35.32 |
| 40 | $40.12 |
| 45 | $48.26 |
| 50 | $58.47 |
| 55 | $72.48 |
| 60 | $89.73 |
| 65 | $115.27 |
| 70 | $155.88 |
| 75 | $219.71 |
| 80 | $285.97 |
10/27/2024 - Rates above are just rough estimates. Your rates will most likely be different.
Average $25,000 permanent life insurance rates for a female:
| Age | $25,000 |
| 25 | $27.33 |
| 30 | $30.55 |
| 35 | $34.76 |
| 40 | $38.29 |
| 45 | $44.30 |
| 50 | $52.65 |
| 55 | $66.78 |
| 60 | $82.23 |
| 65 | $104.26 |
| 70 | $141.74 |
| 75 | $193.29 |
| 80 | $248.29 |
10/27/2024 - Prices above are just rough estimates. Your prices will be different.
Typical $25,000 Whole Life Insurance Types
Simplified Life Insurance
Simplified issue policies make it easy by only asking you a few health questions, with no medical exam required.
The insurance company may look at your prescription history to get a sense of your health, but the process is still super fast. You'll usually get an approval or denial on your $25,000 policy within minutes or a few days.
With simplified issue underwriting, there's no waiting period if approved. Your final expense or other simplified issue policy starts covering you right away.
The speed and convenience of simplified issue is ideal when you want coverage fast. Just answer a few questions, and you could have the life insurance protection you need.
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Guaranteed Acceptance Life Insurance
Guaranteed acceptance life insurance policies, often advertised on television and direct mail, allow applicants to obtain coverage without answering health questions or undergoing medical exams.
While this “no questions asked” approach may sound appealing, there are significant drawbacks to consider before purchasing this type of policy.
First, guaranteed acceptance policies come with a two-year waiting period before the death benefit will be paid out. If the insured dies within the first two years, the insurance company will only refund the premiums paid, not the full death benefit.
Second, because the insurer is taking on more risk by not screening applicants, premiums for these policies are substantially higher than medically underwritten policies. The extra cost may not be worth it for many buyers.
For most people looking for life insurance, a medically underwritten policy is a better option than a guaranteed acceptance policy. With underwriting, the insurer can price your policy based on your specific health conditions, resulting in lower premiums. Underwritten policies also do not have a waiting period before the full death benefit is payable.
The only scenario where a guaranteed issue policy may make sense is for someone with a serious medical condition that would make it impossible for them to qualify for underwritten coverage. For the vast majority of buyers, however, underwritten policies provide better value. Carefully compare all options before choosing a life insurance plan.
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Looking to lower your life insurance premiums on a $25,000 policy?
You can do that by making some lifestyle adjustments.
You don't have to drastically change your life in order to reduce your insurance costs.
A few simple shifts in your habits can have a significant impact on your rates.
From taking steps to improve your health to adjusting the coverage you’re seeking, there are plenty of ways to lower your premiums without sacrificing coverage.
By making a few changes in the way you live, you can save money on life insurance premiums – and still get the protection you need.