$25,000 Life Insurance Policy

Eric Van Haaften Jan 22, 2026 Best Life Insurance Rates by Age

A $25,000 life insurance policy might not seem like a ton of coverage, but it can actually help cover things like funeral expenses and other debts.

Let’s dive into some reasons to consider this amount of life insurance and help you figure out if it’s the right fit for you.

QUICK LINK NAVIGATION

⇓ Reasons for buying a $25k life insurance policy
⇓ Evaluating term insurance lengths (with rate charts)
⇓ Permanent life insurance (with rate charts)
⇓ Buying a $25,000 life insurance policy with no exam

Why Buy a $25,000 Life Insurance Policy?

Do you have $25,000 just sitting around to handle your final expenses? If not, it makes sense to consider a $25,000 life insurance policy.

This amount isn’t about leaving a windfall—it’s about covering the real costs your family could face if something happens to you.

For many seniors, a policy like this is simply about ensuring loved ones aren’t left with funeral costs, final medical bills, and outstanding debts.

It’s usually easier to get approved for smaller insurance policies, especially if you have some health issues. So this can be a great way to get the coverage you need without too much hassle.

Why You Need 25k of Life Insurance

Debt Protection: If you have debts such as credit cards or personal loans, your loved ones can pay them off without selling your possessions or taking on more debt themselves.
Final Expenses: Funerals can cost between $8,000 and $12,000, and a $25,000 policy ensures your family isn’t scrambling to pay for final arrangements.
Supplement Coverage: Life insurance through your employer usually doesn’t carry over when you retire. A small personal policy fills the gap and stays with you wherever you work.

Is $25,000 really enough coverage? It’s important to consider that, due to inflation, a $25,000 policy may not fully meet your beneficiaries’ needs in the future.

Buyer Tip: If you’re under 50, consider increasing your coverage to $50,000 or $100,000. The additional cost is often minimal and can provide greater protection for your loved ones.

Types of Life Insurance Policies

When you’re shopping for a $50,000 life insurance policy, you’ll find a few different options out there. The three most common types are term, whole, and universal life.

Let’s take a look at what sets each policy apart, and check out a few sample rates so you’ll have a better sense of what you might pay.

This way, you can compare your options and pick the coverage that fits your family’s needs and budget.

25K Term Life Insurance

You can choose a term period ranging from 10 to 40 years, and if you pass away during that period, your beneficiary receives the payout.

When the term ends, the policy expires unless you convert it to permanent coverage, which you can do without a new medical exam.

If you need a basic $25,000 term life insurance policy, we recommend Assurity and Transamerica as solid options.

Assurity is usually the cheapest option, while Transamerica is the best option if you think you might convert to permanent coverage in the future.

$25,000 Term Life Insurance for 10 Years

We all know that life can be unpredictable, so it’s important to have some basic protection against financial loss in case something happens.

If you’re looking for an affordable way to cover short-term needs, a 10-year term policy is a solid option.

For instance, a 10-year term is a good option for someone over age 50 looking for basic life insurance to protect a child until they complete college.

$25,000 10-Year Term Life for Males

Age	$25,000
30	$7
40	$9
50	$12
60	$22
70	$45
80	$122

$25,000 10-Year Term Life for Females

Age	$25,000
30	$6
40	$8
50	$11
60	$16
70	$34
80	$102

$25,000 Term Life Insurance for 20 Years

A $25,000 term life insurance policy for 20 years gives you affordable coverage over a longer period.

A 20-year term life policy is a good choice for middle-aged buyers who want to lock in low rates while protecting their family during key years.

$25,000 20-Year Term Life for Males

Age	$25,000
30	$8
40	$11
50	$15
60	$31
70	$74
80	$163

$25,000 20-Year Term Life for Females

Age	$25,000
30	$9
40	$10
50	$13
60	$25
70	$65
80	$142

Since many companies do not offer a 20-year term for those aged 70 to 80, we have used guaranteed universal life rates that last for 20 years.

If you’re unsure about which term length to choose, you can use our insurance calculator to compare affordable term life plans side by side.

25k Permanent Life Insurance

Permanent coverage offers lifelong financial security, provided that premiums are paid consistently.

Given the minor cost differences between $25,000 term and permanent polices, many of our clients prefer permanent coverage.

There are two main types of permanent policies, each with unique features. Take some time to research which option suits you best!

Whole Life Insurance

Whole life coverage offers guaranteed premiums and death benefits for your entire lifetime while building cash value and dividends over time.

You can fund a whole-life policy with continuous annual payments, a single payment, or limited payments lasting only a few years.

It’s worth noting that a $25,000 whole life policy is more expensive to purchase than comparable universal life coverage.

Universal Life Insurance

Universal life insurance is an easy way to ensure your loved ones are protected for life, without the complication of investment features.

If you would like to see $25,000 universal life rates lasting until age 100, please refer to the costs for males and females.

$25,000 Universal Life for Males

Age	$25,000
30	$34
40	$38
50	$46
60	$62
70	$93
80	$163

$25,000 Universal Life for Females

Age	$25,000
30	$33
40	$36
50	$44
60	$57
70	$82
80	$142

If you want affordable lifelong coverage, guaranteed universal life is the most cost-effective option. We’re big fans of Pacific Life and often suggest it!

Take a minute to use our life insurance calculator to compare various permanent plans and find the one that suits you best.

What Does A $25,000 Life Insurance Policy Cost?

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Buying a $25,000 Life Insurance Policy

Affordable Life USA can help you decide whether term or permanent life insurance fits your needs.

For most people wanting coverage for final expenses, a $25,000 permanent policy is a smart choice since it doesn’t expire.

Most companies will want to know your current and past medical history by conducting a phone interview or a medical exam.

$25,000 Life Insurance No Exam

According to CNN, most $25k policies can be purchased without a medical exam. Instead, the insurance company will call you to ask a few medical questions during a telephone interview.

Buying a $25,000 life insurance policy with no medical exam is quick, and most people will qualify for coverage in less than a week.

If you have serious health issues, don’t worry. We offer guaranteed-issue policies that accept everyone, with no health questions.

However, guaranteed-issue policies are more expensive and have a 2-year waiting period. If you had a few health problems, we can always get you a policy with either AIG or Gerber Life.

Buyer Tip: If you are healthy or older, you can usually secure more coverage at lower premiums by undergoing a medical exam.