Term Life Insurance Rates for 25-Year-Olds

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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.

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20-Year Term Life Insurance Cost (Men; Age 25)

AgeGenderSmokerTermCoverageCompanyMonthly Rate
25MenNo20 Years$25,000Mutual of Omaha$9
25MenNo20 Years$50,000Mutual of Omaha$12
25MenNo20 Years$100,000Prosperity Life$18
25MenNo20 Years$250,000Prosperity 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)

AgeGenderSmokerTermCoverageCompanyMonthly Rate
25MenNo30 Years$25,000Mutual of Omaha$10
25MenNo30 Years$50,000Mutual of Omaha$14
25MenNo30 Years$100,000Prosperity Life$22
25MenNo30 Years$250,000Prosperity 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)

AgeGenderSmokerTermCoverageCompanyMonthly Rate
25MenYes20 Years$25,000Mutual of Omaha$13
25MenYes20 Years$50,000Foresters$18
25MenYes20 Years$100,000Americo$30
25MenYes20 Years$250,000Americo$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.

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30-Year Term Rates (Male Smokers; Age 25)

AgeGenderSmokerTermCoverageCompanyMonthly Rate
25MenYes30 Years$25,000Mutual of Omaha$14
25MenYes30 Years$50,000Foresters$22
25MenYes30 Years$100,000Americo$37
25MenYes30 Years$250,000Americo$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)

AgeGenderSmokerTermCoverageCompanyMonthly Rate
25WomenNo20 Years$25,000Mutual of Omaha$9
25WomenNo20 Years$50,000Prosperity Life$11
25WomenNo20 Years$100,000Prosperity Life$16
25WomenNo20 Years$250,000Prosperity 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)

AgeGenderSmokerTermCoverageCompanyMonthly Rate
25WomenNo30 Years$25,000Mutual of Omaha$9
25WomenNo30 Years$50,000Prosperity Life$13
25WomenNo30 Years$100,000Prosperity Life$18
25WomenNo30 Years$250,000Prosperity 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)

AgeGenderSmokerTermCoverageCompanyMonthly Rate
25WomenYes20 Years$25,000Mutual of Omaha$12
25WomenYes20 Years$50,000Foresters$16
25WomenYes20 Years$100,000Foresters$26
25WomenYes20 Years$250,000Foresters$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.

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Burial Insurance
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30-Year Term Insurance Quotes (Female Smokers; Age 25)

AgeGenderSmokerTermCoverageCompanyMonthly Rate
25WomenYes30 Years$25,000Mutual of Omaha$13
25WomenYes30 Years$50,000Foresters$19
25WomenYes30 Years$100,000Foresters$33
25WomenYes30 Years$250,000American 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.