Term Life Insurance Rates for 25-Year-Olds
- Updated: February 23, 2023
Term life insurance is an important and often overlooked form of coverage. If you’re a 25-year-old, you may be wondering how much a term life insurance policy would cost you
In this article, we’ll explore the various factors that affect these costs and look at average rates for 25-year-olds in different situations. By the end, you’ll have a better sense of how much purchasing a term life insurance policy would cost you.
Table of Contents
20-Year Term Life Insurance Cost (Men; Age 25)
| Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
|---|---|---|---|---|---|---|
| 25 | Men | No | 20 Years | $25,000 | Mutual of Omaha | $9 |
| 25 | Men | No | 20 Years | $50,000 | Mutual of Omaha | $12 |
| 25 | Men | No | 20 Years | $100,000 | Prosperity Life | $18 |
| 25 | Men | No | 20 Years | $250,000 | Prosperity Life | $35 |
The table above shows 20-year term life insurance rate costs for men at age 25. All applicants are non-smokers
Rates are listed for Mutual of Omaha and Prosperity Life, offering coverage amounts of $25,000, $50,000, $100,000 and $250,000. For coverage of $25,000, Mutual of Omaha has a monthly rate of $9. For coverage of $50,000, Fortune 500 has a monthly rate of $12
For coverage of $100,000, Prosperity Life has a monthly rate of $18 and for coverage of $250,000, there is a monthly rate of $35.
30-Year Term Life Rates (Male; Age 25)
| Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
|---|---|---|---|---|---|---|
| 25 | Men | No | 30 Years | $25,000 | Mutual of Omaha | $10 |
| 25 | Men | No | 30 Years | $50,000 | Mutual of Omaha | $14 |
| 25 | Men | No | 30 Years | $100,000 | Prosperity Life | $22 |
| 25 | Men | No | 30 Years | $250,000 | Prosperity Life | $44 |
The table shows life insurance rates for 30-year terms, for male individuals aged 25, who are non-smokers. The rates vary depending on coverage levels and the life insurance company
Mutual of Omaha offers a rate of $10 per month for a $25,000 coverage, $14 per month for a $50,000 coverage, while Prosperity Life offers $22 per month for $100,000 coverage and $44 per month for a $250,000 coverage.
20-Year Life Insurance Pricing (Male Tobacco; Age 25)
| Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
|---|---|---|---|---|---|---|
| 25 | Men | Yes | 20 Years | $25,000 | Mutual of Omaha | $13 |
| 25 | Men | Yes | 20 Years | $50,000 | Foresters | $18 |
| 25 | Men | Yes | 20 Years | $100,000 | Americo | $30 |
| 25 | Men | Yes | 20 Years | $250,000 | Americo | $63 |
The table above contains pricing information for 20-year life insurance policies for male, tobacco users aged 25. Two companies are featured, Mutual of Omaha and Foresters
Americo offers both $100,000 and $250,000 policies. The monthly rate for a $25,000 Mutual of Omaha policy is $13, the monthly rate for a $50,000 Foresters policy is $18, the monthly rate for a $100,000 Americo policy is $30, and the monthly rate for a $250,000 Americo policy is $63.
30-Year Term Rates (Male Smokers; Age 25)
| Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
|---|---|---|---|---|---|---|
| 25 | Men | Yes | 30 Years | $25,000 | Mutual of Omaha | $14 |
| 25 | Men | Yes | 30 Years | $50,000 | Foresters | $22 |
| 25 | Men | Yes | 30 Years | $100,000 | Americo | $37 |
| 25 | Men | Yes | 30 Years | $250,000 | Americo | $81 |
This table displays the life insurance rates for male smokers aged 25 for 30-year term coverage from three life insurance companies. Mutual of Omaha offers $25,000 coverage for $14 a month, Foresters offers $50,000 for $22 a month, Americo offers $100,000 for $37 a month, and Americo also offers $250,000 for $81 a month.
20-Year Term Premiums (Women; Age 25)
| Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
|---|---|---|---|---|---|---|
| 25 | Women | No | 20 Years | $25,000 | Mutual of Omaha | $9 |
| 25 | Women | No | 20 Years | $50,000 | Prosperity Life | $11 |
| 25 | Women | No | 20 Years | $100,000 | Prosperity Life | $16 |
| 25 | Women | No | 20 Years | $250,000 | Prosperity Life | $29 |
The table above shows the monthly premiums for women aged 25 with no smoking history for a 20-year term life insurance policy. Mutual of Omaha is offering a $25,000 policy for $9 and Prosperity Life is offering premiums for $50,000, $100,000, and $250,000 policies at $11, $16, and $29 per month, respectively.
30-Year Term Policies (Women; Age 25)
| Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
|---|---|---|---|---|---|---|
| 25 | Women | No | 30 Years | $25,000 | Mutual of Omaha | $9 |
| 25 | Women | No | 30 Years | $50,000 | Prosperity Life | $13 |
| 25 | Women | No | 30 Years | $100,000 | Prosperity Life | $18 |
| 25 | Women | No | 30 Years | $250,000 | Prosperity Life | $35 |
This table provides information about 30-year term life insurance policies for women aged 25. The policies are for nonsmokers and outline coverage amounts, companies, and monthly rates
Mutual of Omaha offers a policy for a coverage amount of $25,000 with a monthly rate of $9; Prosperity Life offers policies with coverage amounts of $50,000, $100,000, and $250,000 respectively, with respective monthly rates of $13, $18, and $35.
20-Year Term Monthly Premiums (Women Smokers; Age 25)
| Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
|---|---|---|---|---|---|---|
| 25 | Women | Yes | 20 Years | $25,000 | Mutual of Omaha | $12 |
| 25 | Women | Yes | 20 Years | $50,000 | Foresters | $16 |
| 25 | Women | Yes | 20 Years | $100,000 | Foresters | $26 |
| 25 | Women | Yes | 20 Years | $250,000 | Foresters | $58 |
The table above shows the monthly rate premiums of 20-year term life insurance plans for a 25 year old female smoker from two different insurance companies. Mutual of Omaha offers $25,000 coverage for a monthly rate of $12, Foresters offers $50,000 for $16, $100,000 for $26, and $250,000 for $58.
30-Year Term Insurance Quotes (Female Smokers; Age 25)
| Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
|---|---|---|---|---|---|---|
| 25 | Women | Yes | 30 Years | $25,000 | Mutual of Omaha | $13 |
| 25 | Women | Yes | 30 Years | $50,000 | Foresters | $19 |
| 25 | Women | Yes | 30 Years | $100,000 | Foresters | $33 |
| 25 | Women | Yes | 30 Years | $250,000 | American Amicable | $71 |
The table above displays 30-year term insurance quotes for female smokers aged 25. There are quotes available for coverage amounts of $25,000, $50,000, $100,000, and $250,000
Mutual of Omaha provides coverage of $25,000 with a monthly rate of $13, while Foresters provides coverage of $50,000 and $100,000 with respective monthly rates of $19 and $33. American Amicable offers coverage of $250,000 with a monthly rate of $71.
Rikin Shah
Burial Insurance
15 companies competing for your business
97% of the time we beat Colonial Penn
30 days to get your money back, no questions asked
* Based on website quote requests, through 2/28/23.
(Check your rate to see their rates vs. ours)