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$25,000 Life Insurance Policy [Sample Rates by Age]

25000 life insurance policy

For many, getting a whole life policy for final expense and burial is sufficient. They just want to make sure they have money set aside for loved ones to pay any bills and to cover a funeral.

The following sample rates are for whole life insurance, that offers fixed premiums, cash value growth and a permanent death benefit.

$25,000 Whole Life Insurance Policy Rates

  1. Quotes for ages 20-45
  2. Quotes for ages 50-59
  3. Quotes for ages 60-69
  4. Quotes for ages 70-79
  5. Quotes for ages 80-85

The following sample whole life insurance quotes are for informational purposes only. All life insurance rates are subject to change.

All quotes are for a $25,000 whole life insurance policy, with fixed premiums, guaranteed death benefit, and guaranteed cash value growth.

$25,000 Life Insurance Rates ages 20-45

All sample life insurance premiums shown below are fixed and will not increase.

AgeMaleFemale
2025.8824.96
2527.9627.23
3030.9830.45
3535.2234.43
4040.0838.81
4548.1544.60

$25,000 Life Insurance Rates ages 50-59

All life insurance rates shown below are fixed and will stay the same for your lifetime.

AgeLevelGradedGuaranteed Issue
5064.8082.09108.85
5167.8384.41117.10
5271.0689.02124.67
5374.4893.65131.77
5478.0598.28137.96
5581.55102.91143.46
5685.36107.55147.58
5789.33112.16151.25
5893.07119.11154.46
5996.97126.06156.75

$25,000 Life Insurance Rates ages 60-69

All life quotes shown below are guaranteed to stay the same for your lifetime.

AgeLevelGradedGuaranteed Issue
60101.54132.98158.35
61106.15139.93170.04
62111.28146.88181.04
63117.09156.12191.58
64123.56165.39201.67
65130.03176.97211.52
66137.54188.53220.23
67144.40200.11227.79
68152.17213.99234.89
69159.55230.18241.08

$25,000 Life Insurance Rates ages 70-79

All life insurance quotes shown below are guaranteed to stay the same for your lifetime.

AgeLevelGradedGuaranteed Issue
60169.94246.58246.58
61180.33267.26269.04
62191.72288.64291.04
63204.11310.64311.67
64217.56333.74330.92
65232.07357.39347.42
66262.79386.10405.85
67280.53422.84462.00
68300.53462.44515.85
69319.00501.25567.41

$25,000 Life Insurance Rates ages 80-85

All life insurance rates shown below are fixed for life and will not increase.

AgeLevelGradedGuaranteed Issue
80344.52534.58616.91
81370.06579.04691.74
82395.61608.96711.84
83422.75636.24788.61
84449.90660.44826.87
85477.04669.79865.38

Level, Graded and Guaranteed Issue

Whole life final expense insurance policies fall into three categories: level, graded and guaranteed issue.

Level Benefit

Level benefit life insurance is final expense burial insurance that pays out the full death benefit from when the policy starts.

And the full death benefit is paid out no matter if the death is due to natural causes or an accident.

This policy requires answers to some health questions to qualify.

Graded Benefit

Graded benefit life insurance is coverage that pays out a percentage of the death benefit in the first 2 or 3 years of the policy for natural causes.

For example, year one may pay out 50% of the death benefit and year two would pay out 75% of the death benefit, with the full death benefit being paid in year 3 onward.

Death due to an accident pays out 100% from the policy inception.

This policy requires answers a few health questions to qualify.

Guaranteed Issue

Guaranteed issue life insurance has a two or three year graded death benefit, where the policy will only provide a return of premium, plus a percentage on top, around 8-10% depending on the carrier.

So, if you have paid $100 premiums for a year and then you die, your beneficiary would receive the entire amount of premiums ($1,200) plus an additional 10% ($120) for a total death benefit payout of $1,320, minus any fees or costs.

Death due to an accident pays out 100% from the policy inception.

This policy does not require any questions regarding your health. The policy is guaranteed acceptance as long as you reside in a state where it is sold and you meet the age requirements, typically ages 50-85.

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