Not everyone requires a large amount of life insurance, and a policy of $25,000 (or even less) may be sufficient to cover your needs.
Life insurance policies with no exam for $25,000 are purchased on a regular basis to protect loved ones’ financial security.
The purchase of smaller life insurance policies, particularly those with a face value of less than $50,000, can also be extremely cost-effective. When a family’s breadwinner passes away, not every family requires a million or even hundreds of thousands of dollars in financial support.
Here in this article, we will tell you how much a simple $25,000 life insurance costs.
How Much Is A $25,000 Life Insurance Policy?
The answer to that is it depends. Exactly how much a $25,000 life insurance policy costs differs from case to case. There are many factors that affect the overall costs of a $25,000 life insurance policy.
Among the most important factors are the insured’s health, their age, and the type of policy they purchase will determine the costs of their $25,000 life insurance policy. Let us take a look at the different rates for a $25,000 life insurance policy based on the said factors:
$25,000 Term Life Insurance Policy 10 Years:
Healthy Male
| Age | Rates |
| 30 years old | $5.46 |
| 40 years old | $7.29 |
| 50 years old | $9.59 |
| 60 years old | $15.62 |
| 70 years old | $28.58 |
| 80 years old | $208.29 |
Healthy Female
| Age | Rates |
| 30 years old | $5.33 |
| 40 years old | $6.26 |
| 50 years old | $8.70 |
| 60 years old | $12.75 |
| 70 years old | $22.58 |
| 80 years old | $176.49 |
$25,000 Term Policy 20 Years:
Healthy Male
| Age | Rates |
| 30 years old | $6.26 |
| 40 years old | $8.22 |
| 50 years old | $12.33 |
| 60 years old | $24.62 |
| 70 years old | $116.85 |
| 80 years old | N/A |
Healthy Female
| Age | Rates |
| 30 years old | $5.78 |
| 40 years old | $7.42 |
| 50 years old | $10.74 |
| 60 years old | $18.73 |
| 70 years old | $116.85 |
| 80 years old | N/A |
$25,000 Permanent Policy:
Healthy Male
| Age | Rates |
| 30 years old | $30.98 |
| 40 years old | $40.08 |
| 50 years old | $58.36 |
| 60 years old | $89.97 |
| 70 years old | $155.99 |
| 80 years old | $285.86 – $344.52 |
Healthy Female
| Age | Rates |
| 30 years old | $30.45 |
| 40 years old | $38.81 |
| 50 years old | $52.50 |
| 60 years old | $82.18 |
| 70 years old | $141.88 |
| 80 years old | $248.48 |
Whether you’re looking for a $50,000 whole life insurance policy or a $25,000 whole life insurance policy, the process is quite basic. The process is roughly the same whether you’re purchasing life insurance for a youngster or an adult.
There are three fundamental ways to qualify. Due to the small death benefit of $25,000, insurance firms typically offer solely non-medical underwriting.
Fully underwritten life insurance policies may result in cheaper premiums because the insurer obtains urine, blood, and complete medical records. Carriers, on the other hand, do not offer fully underwritten options for plans valued at $25,000.
