Life Insurance Companies That Offer 25-Year Terms (Compare Rates)
There are many life insurance companies that offer 25 year terms. Before you commit to a 25 year term life insurance policy, consider how long you'll need the coverage. If you have just graduated and are starting your career, or if you’re just starting a family, a 25-year term policy might be a good option.
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Heidi Mertlich
Licensed Life Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Licensed Life Insurance Agent
UPDATED: Dec 4, 2023
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Dec 4, 2023
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Most companies that offer term life insurance will offer 25 year terms
- You may want to choose a different term length based on your age and the needs of your family
- A 25 year term life insurance policy might be best for a young couple considering raising a family or someone who is just starting a career
If you are shopping for a life insurance policy, you may want to know more about life insurance companies that offer 25 year terms.
While some companies increase term lengths by tens, there are some that offer both 15 and 25 year term life insurance as well.
The type of life insurance policy you need depends on your lifestyle, your family structure, and the needs of your family members if you were to pass away.
You may find that you want to purchase whole life insurance rather than a term life insurance policy. But if you choose to buy term life insurance, you will need to decide on the term length that works for you.
If you decide on a term policy, you might be curious whether you can increase your life insurance policy as the term progresses. This is something you should learn more about before making any final decisions.
As you look for term life insurance quotes, you need to shop around and compare multiple policies and coverage options from multiple companies. This will help you find the best and cheapest 25 year term life insurance rates.
In fact, you can use our free tool above to buy 25 year term life insurance with top companies today.
Which life insurance companies offer 25 year terms?
Most life insurance companies that offer term life insurance will have the option of a 25 year term.
The most popular life insurance companies in the U.S. that offer term life insurance policies include:
- Haven
- State Farm
- Protective
- Allstate
- New York Life
- Northwestern Mutual
- Progressive
- John Hancock
- Guardian Life
Before you decide to purchase a 25 year term policy from any life insurance company, you should learn a bit more about it. For example, you can read our New York Life insurance review to see if the company might be a good fit.
You should also check out term life insurance rates by age. As you get older, your term life insurance rates will likely increase.
Check out the table below to see how term life insurance rates increase with age for both men and women.
Term Life Insurance Rates by Age for Men and Women
| Age | $100,000: Male | $100,000: Female | $250,000: Male | $250,000: Female | $500,000: Male | $500,000: Female |
|---|---|---|---|---|---|---|
| 25 | $11.03 | $10.02 | $22.10 | $12.91 | $23.19 | $19.04 |
| 30 | $11.12 | $10.07 | $15.31 | $13.02 | $23.85 | $19.26 |
| 35 | $11.12 | $10.07 | $15.42 | $13.02 | $24.07 | $19.26 |
| 40 | $12.65 | $11.12 | $17.94 | $15.21 | $29.10 | $23.63 |
| 45 | $14.57 | $13.31 | $21.55 | $19.69 | $36.32 | $32.60 |
| 50 | $18.60 | $17.20 | $30.19 | $27.02 | $53.60 | $47.26 |
| 55 | $24.51 | $20.61 | $42.88 | $34.35 | $78.98 | $61.91 |
| 60 | $35.88 | $27.48 | $71.10 | $50.86 | $135.41 | $94.94 |
| 65 | $51.06 | $37.76 | $109.82 | $75.14 | $212.85 | $143.51 |
As you can see from the table above, age is a big factor that influences your term life insurance rates.
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Who should purchase a 25 year term life insurance policy?
If you are in your 20s when you purchase a 25 year term policy, the rates when you’re in your 50s or early 60s will likely be quite manageable. But if you don’t buy life insurance until you’re in your 40s, you may want to consider another option.
People who are just starting their careers, who want to purchase a home, or who are considering starting a family are the ones who benefit most from life insurance companies that offer 20-year terms or 25 year terms.
Individuals who are close to retirement might benefit more from a 10-year term.
Consider where you are in life and what needs your family might have if you were to pass away. Then, if you’re sure a term life insurance policy is the best option, you can decide what term length to choose.
Should I buy a 25 year term life insurance policy?
If you are newly married, recently graduated and starting your career, considering starting a family, or a parent of young children, a 25 year term life insurance policy may be a great fit for you.
But if your status and situation are different, you may want to consider other options for life insurance.
For example, if your job offers competitive rates for group life insurance, you may want to purchase that instead. Additionally, if you’re close to retiring, a whole life policy might be a better fit.
You should never feel rushed to make a decision about life insurance. Make sure you have done your research and spoken with experts before making a decision.
You can also shop online for life insurance rates to see which companies would offer you the best and most affordable 25 year term life insurance options.
As you compare 25 year term life insurance quotes, you’ll see which companies can offer you the best policies and a price you’re comfortable with.
Now that you’ve learned a bit more about life insurance companies that offer 25 year term policies be sure to use our free tool below to compare rates and make the best choice for your family.
Enter your zip code below to view companies that have cheap life insurance rates.
Secured with SHA-256 Encryption
Heidi Mertlich
Licensed Life Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Licensed Life Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.