25 Year Term Life Insurance: Cost & Quotes From $5/mo



Thinking about the financial future of you and your family is one of the most important things you can do. In addition to thinking about your financial future in terms of your income and wealth while you’re still here, it’s also smart to think about what might happen when you’re no longer around. You might choose to make a living will or carry out some estate planning, but it’s also a good idea to think about life insurance. 

Life insurance can be so important if you want to protect your family. It helps to relieve financial problems that could occur due to the loss of your income, unpaid debts, or expenses such as funeral costs. Choosing the right insurance policy and provider can be a little confusing when there are so many options since you can get it for your whole life or only choose to get covered for 5 years, but this guide will help you to explore one of the options that could be right for you. 

You can choose from different types of life insurance, different policy lengths, various riders, and more. Term life insurance is a popular choice for those who don’t want to commit for life and may wish to save some money. If not 20 year term life insurance, go for a 25 year term life. Taking out 25 year term life insurance protects you for a long time and can still help to keep your costs down. 

About Term Life Insurance 

Term life insurance is one of the main types of life insurance you can choose. The other option is whole life insurance. 

Term life insurance is designed to provide you with insurance for a specific term, usually 5 up to 30 years. Whatever the length of the term, it eventually expires and you will no longer have coverage unless you choose to renew it (or you die before then). In contrast, whole life insurance is designed to give you life insurance coverage for your whole life, until you die or cancel your policy. 

There are some other differences between term life insurance and whole life insurance. For example, whole life insurance has a savings component or cash value, which allows the holder to withdraw money from it. Term insurance doesn’t have this feature, which might be a downside for some people. 


When to Take Out 25 Year Term Life Insurance?

Knowing when each type of life insurance is suitable for you can be tricky.  25 year term life insurance might not immediately seem like the best choice, but there are multiple circumstances when it’s perfect to provide the protection that you need. 

Firstly, it’s important to understand the two main types of 25 year term life insurance and when you might need them:

  • 25 year level term life insurance-this type of life insurance provides the same amount of coverage across the whole term. It’s a common type that can be renewed, although renewing the policy may change the premium and coverage offered

  • 25 year decreasing term life insurance-this type of term life insurance offers a decreasing amount of coverage during the term. The premium is fixed throughout but the coverage decreases at a set rate. It’s common for creditors to request this type of term life insurance to ensure debts are paid

There are many excellent reasons you might choose to take out 24 year term life insurance instead of whole life insurance or even term life insurance with a different length.  Some of the reasons you might use 25 year term life insurance include: 

  • To cover a debt such as a loan or a mortgage, ensuring it will be paid by your life insurance and not from your estate if you die 

  • To provide protection for your family without paying too much 

  • To ensure your family is protected until your children have grown up 

  • Because it’s cheaper to take out term life insurance to cover the rest of your life than to use whole life insurance 

  • To give you the flexibility to choose a different life insurance option in the future 

  • To protect yourself while working in a risky career or doing a high-risk hobby that you will one day stop doing 

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What Other Options Are There? 

In addition to thinking about the different terms available for term life insurance, you can look at some other options that are available. When you take out a 25 year life insurance policy, you can also consider some add-ons and extras that might be useful for you. You would find that you have these options to choose from: 

  • Renewable policies-renew your term policy when it runs out 

  • Return of premium rider-get your premiums back at the end of the term (this usually makes the policy more expensive) 

  • Convertible term insurance-the option to convert your term life insurance into whole life insurance before the policy has come to an end 

  • Accidental death rider-get a death benefit if the policyholder dies as a result of an accident 

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25 Year Term Life Insurance Cost 

The average 25 year term life insurance cost is $38 per month or $456 per year for a $1 million worth of coverage. There are multiple factors that will affect the quotes you receive. Who you are and what your health is like will be taken into account, and so will the policy and features that you choose. 

Cost per Month Cost per Year Best for
Haven $15.69 $188.28 25 year term life insurance with tax free payouts
Fabric $17.94 $215.28 Accidental death rider, easy online application
Ethos $18 $216 Term life insurance with free estate planning
Ladder $18.90 $226.80 Flexible term life insurance
USAA $23.11 $277.32 25 year term life insurance for US military personnel
AARP $36 $432 25 year term life insurance for seniors


Here are some further examples of average costs for a person who is in excellent health and doesn’t use tobacco products: 

Customer Type  $250,000 Coverage  $500,000 Coverage  $1 Million Coverage 
30 year old male  $18.46  $26.45  $45.19 
30 year old female  $15.83  $21.88  $36.89 
40 year old male  $27.31  $46.76  $86.15 
40 year old female  $22.61  $37.40  $67.57 
50 year old male  $82.90  $159.27  $312 
50 year old female  $60.20  $113.70  $220.88 

 

As you can see, both age and gender make a difference in the price. Gender matters because men have a shorter life expectancy and are usually seen as more high-risk. Age is important because you are more likely to get ill or have an accident as you get older. 

And with a 25 year life insurance policy, which lasts for a quarter of a century, your age can be even more important. If you take it out when you are 30, it will end when you’re 55. But if you take it out when you’re 50, it will end when you’re 75. 

So someone who is 50 will end up paying a lot more than someone 20 or even 10 years their junior. If you want to take out term life insurance for this length of time, it’s better to do it when you’re younger. If you’re older, consider a shorter term. 

Other factors that will affect your premiums include your medical history, your occupation, and even your hobbies. High-risk behaviors such as engaging in extreme sports can make your life insurance more expensive.

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Best 25 Year Term Life Insurance Companies

When you’re looking for a 25 year term life insurance provider and policy, you want to get the best price. There are various providers that can offer you this term length, but you have to compare them to ensure you pick the right option. 

Aside from looking at the price, it’s important to consider the value you get from the policy, including how much coverage you can take out and other benefits and features you can choose. 

Many providers offer 20 years or 30 years as term options, but there are also several that can provide a 25 year term too. Here are the best 25 year term life insurance companies. Read some of the reviews below to know their pros, cons, and rate for a $1 million term life coverage. 


Fabric  25 Year Term Life Insurance

Pros

  • 130+ years of underwriting life insurance

  • 100% digital term life insurance experience

  • 30 day money-back guarantee

  • No price changes

  • Good customer experience 

Cons

  • Coverage can’t be increased after purchase 

  • Not available in all states 

Fabric offers an online service to make it easy to get a quote and apply for term life insurance. They offer a range of different terms, including 25 years. It takes just a few seconds to get a quote based on your details by providing information such as your location, health status, and age. There’s no need for medical exams, so you can quickly get started and make sure you’re insured as soon as possible. 

Best for: Accidental death rider, easy online application 

Average cost: $17.94 per month 

Our rating: 10/10


AARP 25 Year Term Life Insurance

Pros

  • 25 year term life insurance can be used to cover some treatment costs if you become terminally ill

  • Comes with other perks

  • Highly involved

  • Quote online or call

Cons

  • 25 year term life insurance is only available if you become a member

AARP is a non profit organization that operates to help secure the lives of the elderly. Those who become members enjoy healthcare benefits, discounts, and life insurance. AARP can be found in all US states and its territories 

AARP isn’t an insurance company. And to grant term life insurance for its members, AARP works with New York Life. Your 25 year term life insurance coverage offers $100,000+ coverage. Riders are available such as disability waiver of premium and living benefits. 

Note that AARP can only grant coverage if you can be legally categorized as a senior citizen. That said, you might need to look for other options if you haven’t reached this age yet. 

Best for: 25 year term life insurance for seniors 

Average cost: $36 per month

Our rating: 10/10


Ethos 25 Year Term Life Insurance

Pros

  • Automatic underwriting

  • Get an estimate of your rates online

  • Works with multiple insurance companies to grant you coverage

  • No medical exam

Cons

  • Term life insurance can’t be converted into a whole life policy

Fabric isn’t the sole option for a term life insurance policy you can avail online. Ethos is a good fit too. This company’s term life coverage is underwritten by Legal & General America, Ameritas Life Insurance Corp., TruStage®, and other partners. 

While this company doesn’t allow you to go for a 25 year term life coverage, you can go for its 20 year term coverage instead. We included this company even though it doesn’t have a 25 year term life insurance because it guarantees that you can get covered with no medical exams. 

Moreover, your policy comes with free estate planning. We must also mention that you won’t sacrifice your preference since Ethos allows you to choose how much coverage to get. Particularly, you get to choose between $100,000 minimum and $2 million max. 

Best for: Term life insurance with free estate planning

Average cost: $18 per month

Our rating: 10/10


USAA Term Life Insurance

Pros

  • Specializes in working with military personnel

  • Upgrade to permanent life insurance policy with no medical exam

  • Child coverage included

Cons

  • Highly exclusive

Military personnel have their lives on the line. It’s important for them to have a comprehensive coverage that comes with perks helping with family planning and financial security. USAA aims to provide this to its members. 

USAA only works with active and veteran military personnel. Its 25 year term life policy offers $100,000-$10 million worth of coverage. This comes with a life events and child coverage rider. After one year of getting covered, USAA gives you the option of converting your 25 year term life coverage to a permanent life insurance policy with no medical exams required. 

Best for: 25 year term life insurance for US military personnel

Average cost: $23.11 per month

Our rating: 10/10


Haven 25 Year Term Life Insurance

Pros

  • Backed by a long-standing insurance company 

  • Easy to apply online 

  • Other financial services available 

Cons

  • No convertible term life insurance option 

  • Low coverage for no-exam policies 

Haven is a good option if you want a 25 year term policy with a tax free payout. You get to choose this as a Haven Simple policy or Haven Term policy. Purchase your 25 year term coverage as a Haven Term policy if you have a family. On the other hand, go for the former option if you’re currently living alone. Haven offers up to $3 million worth of coverage. 

Best for: 25 year term life insurance with tax free payouts

Average cost: $15.69 per month 

Our rating: 9/10


Ladder 25 Year Term Life Insurance

Pros

  • Flexible coverage

  • Offers a money-back guarantee

  • 100% digital 

Cons

  • Riders may not be included in your policy

Ladder offers term life insurance for 25 years, as well as 10, 15, 20, and 30 years. One of the best benefits that they offer is flexibility and the ability to adjust your coverage as your needs change. This means if you take out your insurance when you’re free and single, you could adjust it as you buy a home, get a new job, or start a family. Most people won’t need to have a medical exam, and can apply online too. 

Best for: Flexible term life insurance 

Average cost: $18.90 per month

Our rating: 9/10


Get a Quote for 25 Year Term Life Insurance 

Get a 25 year term life insurance quote and compare rates from different companies. By comparing your options, you can make sure you get the best deal.  Click the “Get Quotes” button on this page to start. 

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