25-Year Term Life Insurance
Over 100 Carriers to Quote From. Here are a few of them!
25-Year Term Life Insurance offers a balanced length of protection that’s longer than 20 years but doesn’t carry the higher premiums of 30- or 35-year terms. It’s ideal for those managing long-term responsibilities—such as paying off a mortgage, funding education, or securing legacy planning—without the commitment of permanent life insurance. At Diversified Insurance Brokers, we help you compare 25-year term policies alongside other term lengths to ensure you find the coverage that aligns best with your goals and budget.
Get a Term Life Insurance Quote
Explore how 25-year term life compares with longer and shorter options to find the right fit for your timeline.
Why Choose 25-Year Term Coverage?
- Affordable fixed premiums for a quarter-century of protection
- Perfect for covering financial obligations that span 25 years, like education or mortgage payoff
- Provides flexibility between shorter 20-year and longer 30- or 35-year options
Who Benefits Most from a 25-Year Term Policy?
- Parents planning through children’s college years
- Young professionals securing long-term financial responsibilities
- Homeowners with 25-year mortgages or debts
- Those evaluating longer-term options—see our 35-Year Term Life Insurance page for deeper coverage
Compare Your Term Life Premiums
Use our calculator to view quotes for 25-year term life alongside other term lengths and permanent options.
Life Insurance Quoter
Comparison: 20-year vs 25-year vs 30-year vs 35-year
| Feature | 20-Year Term | 25-Year Term | 30-Year Term | 35-Year Term |
|---|---|---|---|---|
| Coverage Length | 20 years | 25 years | 30 years | 35 years |
| Premium Cost | Lowest | Moderate increase | Higher | Highest (still lower than permanent) |
| Best For | Short-term debt or obligations | Mid-term financial planning | Long-term family protection | Extended long-term coverage |
Case Example
A 34-year-old parent wanted affordable coverage until their children finished college and their mortgage was paid off—about 25 years. A 25-year term policy provided just the right length at a reasonable price. It cost significantly less than a 30- or 35-year term while still covering all key obligations.
Why Work With Diversified Insurance Brokers?
Since 1980, Diversified Insurance Brokers has helped clients tailor life insurance to their most important financial milestones. With access to over 75 carriers, we can find the right balance of cost and coverage length — including specific 25-year term options. Learn more about our life insurance services, explore burial insurance, and discover why families choose to work with us.
FAQs: 25-Year Term Life Insurance
What is a 25-year term life insurance policy?
It’s level-premium coverage that guarantees a fixed death benefit for 25 years. If you pass away during the term, the insurer pays your beneficiaries; if you outlive the term, coverage typically ends unless you renew or convert.
Who is 25-year term life best for?
It’s popular with people who want longer protection than a 20-year term—such as parents with younger children, homeowners with long mortgages, or anyone covering income needs into their mid-50s to early-60s.
How do premiums compare to 20- and 30-year terms?
All else equal, 25-year term usually costs more than 20-year but less than 30-year. The longer the guarantee period, the higher the premium.
Can I convert a 25-year term policy to permanent coverage?
Many carriers allow conversion to permanent life (e.g., whole or universal) during a stated window without a new medical exam. Check your policy’s conversion period and eligible products.
What happens when the 25-year term ends?
Level premiums end and coverage either expires or renews annually at higher, post-level rates. Some policies let you convert before the end of term to keep lifetime coverage.
Are riders available on 25-year term policies?
Common riders include accelerated death benefit for terminal illness, child riders, waiver of premium, and accidental death. Availability and costs vary by carrier and state.
Do I need a medical exam to qualify?
Many applicants qualify through accelerated underwriting (no exam) based on health data, age, and face amount. Higher coverage or certain health conditions may require an exam.
How much coverage should I choose?
A common approach is 10–15× annual income, plus debts, college goals, and a cushion for final expenses. We can model amounts against your budget and timeline.
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