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Find 25-year term life insurance policies with $500,000 in coverage for less than $1 a day.
SelectQuote takes the time to compare life insurance coverage and rates for you, helping you decide what term length is right for you and your family.
What is 25-year term life insurance?
A 25-year term life insurance policy provides coverage for a fixed period of 25 years, offering financial protection for those who need coverage for an extended period without committing to permanent insurance. Like other term life policies, it pays a death benefit to your beneficiaries if you pass away during the term, helping to cover expenses like income replacement, mortgage payments, or college tuition for children.A 25-year term life insurance policy acts as a financial safety net for your beneficiaries for the duration of the coverage. This type of insurance policy is particularly suitable for families with young children. It can provide coverage during the working years when financial responsibilities are high, such as paying off a mortgage, raising children, and saving for the future. One significant advantage of 25-year term policies is the predictability of premiums. Once your premium is set, it remains fixed for the entire term, which helps with long-term financial planning. At the end of the 25 years, you have several options: renew the policy (though premiums will likely increase), convert it to permanent coverage, or let it expire.
Is a 25-year term life insurance policy right for you?
When shopping for life insurance, term life policies are a popular option, offering coverage for a set period—usually between 10 and 30 years. If the insured passes away during the term, the policy pays a tax-free death benefit to the beneficiaries. A 25-year term life insurance policy strikes a balance between affordability and coverage duration, making it a great choice for those with longer financial commitments, such as a 25-year mortgage or supporting dependents into adulthood.Compared to permanent life insurance, premiums for a 25-year term policy are generally more affordable, offering substantial coverage without the high cost of whole life or universal life policies. Here are a few scenarios where a 25-year term policy might be the right fit:
- Matching a 25-Year Mortgage: If you have a mortgage with around 25 years left, a 25-year term policy can ensure that your family is financially protected throughout the duration of the loan.
- Supporting Dependents into Adulthood: If you have children and want coverage until they are financially independent, a 25-year term can align with their needs as they grow older.
- Covering Educational Expenses: For parents planning to fund their child’s education over a 25-year period, this term can provide the necessary financial security.
- Avoiding a Longer Commitment: A 25-year term offers more flexibility than a 30-year policy, especially for those who expect their financial needs to change in 25 years (e.g., paying off loans or debts).
- Balancing Affordability and Duration: It provides a middle ground between the shorter 20-year term and the higher premiums of a 30-year term.
- Focusing On Investing for Retirement: Investing for retirement requires careful planning and consideration of financial needs and goals. By considering a 25-year term life insurance policy as part of a retirement planning strategy, policyholders can invest with confidence, knowing that their ones will be financially secure and that they’ve taken steps to protect their retirement savings.
Alternatives to 25-Year Term Coverage
While a 25-year term life insurance policy can be a great fit for certain needs, there are other coverage options that might be a better fit depending on your financial goals and situation. Here are a few alternatives to consider:
- 20-Year Term Life Insurance: If your financial obligations are shorter, a 20-year term policy may be more affordable while still offering substantial coverage. This is ideal for those with short-term financial commitments, such as paying off a smaller loan, who don’t need the extended 25-year coverage.
- 30-Year Term Life Insurance: For those with longer-term financial responsibilities, such as a 30-year mortgage or providing for dependents well into adulthood, a 30-year term policy can provide longer-lasting coverage. Though premiums may be higher than a 25-year policy, it offers more long-term protection for those who need it.
- Whole Life Insurance: For individuals looking for permanent coverage that lasts for life, whole life insurance may be a good alternative. It’s more expensive than term life but builds cash value over time, offering both protection and an asset for wealth-building or future needs.
- Universal Life Insurance: Universal life offers flexibility, allowing you to adjust your premiums and coverage amount over time. It also builds cash value, though it comes with a more complex structure and higher costs compared to term life.
Is 25-year term life insurance a good fit if you’re 25?
A 25-year term life insurance policy can be a great fit if you’re 25, depending on your financial goals and responsibilities. At this stage of life, you may not have significant financial obligations yet, but securing life insurance early can be a smart move. A 25-year term policy offers affordable premiums and the flexibility to lock in coverage at a young age, ensuring financial protection if something unexpected were to happen.If you’re planning to buy a home, start a family, or have other long-term financial commitments in the coming years, a 25-year term policy can provide coverage during those crucial stages. It can help protect your mortgage, provide for your future children, or cover any other debts you may incur.
What happens after the 25 years of your term are up?
If you outlive your 25-year term policy and still need life insurance coverage, there are a few options for you to consider. While you can renew your coverage and opt for another term policy, you may want to review your updated needs and financial goals to find the policy that’s the best fit for you.
Aside from term life insurance, you can also choose permanent life insurance coverage. While term life insurance is a temporary form of coverage that provides a death benefit for a specific period, permanent life insurance, such as whole life insurance, provides lifelong coverage. One of the main advantages of permanent life insurance is the accumulation of cash value over time. This cash value can be accessed during your lifetime and used for various purposes, such as supplementing retirement income or funding educational expenses.
Understanding 25-Year Term Life Insurance Rates
Term life insurance rates are based on the factors that make up your “risk profile,” which is an evaluation of the likelihood and impact of potential risks that a policyholder may face. Insurance companies use risk profiles to assess the probability of a claim being made to determine the appropriate premium for the policy and then assign you to a health classification. Factors that contribute to your risk profile may include:
- Gender
- Age
- General heath
- Hobbies and habits, such as smoking and drinking
Some life insurance calculators may also ask about your geographic location, family health history, hobbies, and even driving violations. In addition to these factors, the type of policy, the length, and benefit amount can also impact the price you pay. For example, a 25-year term life insurance policy will likely cost more than a 20-year term life insurance policy for the same benefit amount, but would likely cost less than a 30-year policy.We’ve compared prices among our insurance carriers and found that a 25-year term life insurance policy with $500,000 in coverage for a 35-year old female in excellent health can be as low as $25 a month.We can help you keep all of the above factors in mind as you shop around for life insurance, and will work to find you affordable term life insurance that works for you and your family.
Example Rates for 25-Year Term Life Policies
| Age / Sex | $250,0000 Coverage Amount | $500,000 Coverage Amount | $1M Coverage Amount |
|---|---|---|---|
| 25-Year Old Female | $12.94 | $19.21 | $27.79 |
| 25-Year Old Male | $15.28 | $23.41 | $40.20 |
| 35-Year Old Female | $15.62 | $24.25 | $41.88 |
| 35-Year Old Male | $18.19 | $28.04 | $50.28 |
| 45-Year Old Female | $29.40 | $49.03 | $91.45 |
| 45-Year Old Male | $37.49 | $64.15 | $120.01 |
| 55-Year Old Female | $69.64 | $128.79 | $248.51 |
| 55-Year Old Male | $100.14 | $186.01 | $353.79 |
Table rates are based on a 25-year term policy for men and women in excellent health from one or more of the trusted companies we represent. Rates were pulled 7/2025. Your price could vary depending on your health, issuing company, and other factors. Not available in all states.
How to Get 25-Year Term Life Insurance Quotes
If you’re ready to buy a 25-year term life insurance policy, it’s time to review your options. At SelectQuote, we not only make the shopping process easy, but the application and purchasing part, too. Here’s what you can expect when buying a 25-year term life insurance policy through SelectQuote:
- Get a free term life insurance quote from an experienced licensed insurance agent at SelectQuote, who can source dozens of policies to find the best options for your needs and budget.
- Choose the amount of term life insurance coverage that’s right for you
- Apply and buy a 25-year term life insurance policy with one of the trusted insurance carriers we work with
Here are some frequently asked questions about this type of term coverage:
Does a 25-year term policy make sense for seniors?
A 25-year term life insurance policy may not be the best fit for seniors, as the premiums tend to rise significantly with age, making it more expensive than shorter-term policies. Seniors who need life insurance for final expenses or estate planning might find guaranteed issue or simplified life insurance more appropriate, as these options provide lifetime coverage.
Can you cash out a 25-year term life insurance policy?
No, you cannot cash out a 25-year term life insurance policy. Unlike permanent life insurance, such as whole life or universal life, term life insurance does not build cash value. If you outlive the policy, it simply expires, and you do not receive any payout or return of premiums unless you choose to convert the policy to a permanent plan.
How can I calculate my rate for a 25-year term policy?
Calculating your rate for a 25-year term life insurance policy depends on several factors, including your age, health, lifestyle, and the amount of coverage you need. SelectQuote’s life insurance calculator can walk you through this process, making it easy to review and understand your coverage options so you find the policy that’s right for you.
Ready to find the right 25-year term life insurance policy? SelectQuote can help.
If you’re ready to find the 25-year term life insurance policy that’s right for you, talk to SelectQuote. We take the time to get to know you and your situation so we can make sure that you get the coverage you and your loved ones need.
We have helped millions of families find the coverage they need at a rate they can afford, and we can help you, too. With our proprietary technology, we can compare coverage and rates from some of the most trusted insurance carriers in the nation, making it easy for you to understand your options and find the best policy for your budget and lifestyle.
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Still unsure if a 25-year term life insurance policy is right for you? Check out our other life insurance options.
There is no shortage of options when it comes to term life insurance. If you’re interested in purchasing a 25-year term life insurance policy or want to explore other options, we can help. We can provide unbiased price comparisons while taking into consideration all of your needs and your family’s situation.
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