Best Life Insurance Companies That Offer 25-Year Term Policies (2021)
Young families looking to protect their loved ones' financial future or senior citizens who want to obtain coverage for funeral expenses should compare life insurance quotes from life insurance companies that offer 25-year terms. With American General and other life insurance companies that offer 25-year terms, you could get life insurance coverage for as little as $7/month.
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UPDATED: Oct 29, 2021
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- A 25-year term life insurance policy could be a great tool for young parents and older individuals on a budget
- Term life insurance policies tend to be less expensive than whole life insurance policies
- Term life insurance policies do not accrue any cash value
If you’re the main provider for your family, you may have been thinking of looking into term life insurance quotes so your loved ones can be taken care of after you’ve passed on.
Affordable life insurance companies that offer 25-year terms can help you obtain both peace of mind and financial security for your family.
Term life insurance is one of the most popular types of life insurance on the market because it allows you to get a high amount of coverage for a low price.
This is due in part to the fact that these types of policies only last for a certain number of years and don’t accrue any cash value.
If you want to buy life insurance, life insurance companies that offer 25-year terms could be a great fit for your needs and your budget.
You don’t have to wait to get 25-year term life insurance; enter your ZIP code into our free tool above to get quotes from life insurance companies that offer 25-year terms right now.
Where can I buy 25-year term life insurance?
You may be excited to start comparing life insurance rates, but don’t waste your time with life insurance companies that don’t offer 25-year terms if this type of insurance product is what you have your heart set on.
To avoid running into such disappointments, you can start by looking at the five companies below, as they all offer a 25-year term life insurance policy:
- American General
- Pacific Life
- Protective Life
These are all financially strong companies that help you get the coverage you want at the pricing you need; but, of course, every company’s life insurance products are a little bit different.
Let’s dive deeper into these companies and investigate what makes each one unique:
If you’re looking for a reputable company that caters to high-risk applicants and has 25-year term life insurance policies on hand, look no further than American General.
With an A rating from A.M. Best, American General welcomes individuals who have been diagnosed with Crohn’s disease, multiple sclerosis, diabetes, and more.
Policies can start as low as $14 per month, making a term life insurance policy perhaps one of the best options for young families who are just starting out.
Another financially strong company, SBLI has an A+ rating from A.M. Best. You can’t always determine term life insurance rates by age, but if you’re between the ages of 18-60, you could get a policy for just $10 per month with no medical exam.
SBLI also offers:
- $750,000 in coverage
- The option to convert your term policy into a permanent policy with no medical exam
- A death benefit that is not subject to federal income tax
When you’re on the hunt for life insurance quotes, life insurance companies that offer 25-year terms like SBLI certainly deserve a close look.
A.M. Best gave Pacific Life an A+ rating, but it is one of the more expensive companies on the list. You could get a minimum of $50,000 in coverage for $30 a month.
Now, if you were to purchase a policy with Pacific Life, you could also add riders to your policy that could allow you to benefit from your policy while you’re still alive; however, you will have to pay extra for those.
Protective Life Insurance
For over 100 years, Protective Life Insurance has worked to provide financial protection at low rates for its clients.
An illustrious company, Protective Life Insurance holds an A+ rating from A.M. Best, and it advertises that applicants could get coverage for as little as $7 per month.
When requesting quotes, be prepared to disclose personal information like:
- Your age
- Your tobacco use
- You health status
- Your height
- Your weight
While you will need to share details about yourself, insurance companies take great pains to protect their clients’ information, so you can rest assured that your details are in safe hands.
Last but not least is the A.M. Best A+-rated company TransAmerica, which has policies available for as low as $8.60 per month.
While term policies are usually sought after by the young for their low price tags, TransAmerica makes sure that senior citizens can benefit from a 25-year term policy too.
You can purchase a 25-year term policy with this company if you’re under 65, and TransAmerica has low minimums too.
If you are only looking to get a little more financial padding, you can purchase as little as $25,000 in coverage with TransAmerica.
If you’ve been turned down by other companies due to health concerns, TransAmerica can help you; there are no medical exams required to purchase a term policy with this company.
Remember, if your age and health leave you struggling to find a life insurance company, life insurance companies that offer 25-year terms could be the right fit for you.
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Who should buy a 25-year term life insurance policy?
There are a good many people that could benefit from purchasing a 25-year term life insurance policy; however, the most common buyers of these policies are young people with children.
If you’re in your 20s or 30s and are concerned about a loved one paying off a mortgage or funding a child’s education if you were to pass away unexpectedly, a 25-year term policy could alleviate your worries.
One of the most attractive aspects of a term policy is that most companies give you the chance to convert it into a permanent insurance policy when it reaches the end of its term life.
This gives people the flexibility to grow with their investments and time to assess their financial needs.
But older individuals who want to make sure they have enough to cover funeral expenses could also benefit greatly from purchasing a term policy.
How can I get lower insurance rates?
While term policies are usually quite affordable, you can take steps to ensure that you are quoted at low rates:
- Quit smoking
- Start walking or jogging
- Add more vegetables to your diet
- Drink more water
- Get a regular amount of sleep every night
Working to improve your health is a great way to score low rates on your life insurance quotes and improve your quality of life. Buying life insurance is a great step to protect your loved ones, but it can also be a great reminder that you need to look after yourself, too.
What You Need to Know About Life Insurance Companies That Offer 25-Year Term Policies
A 25-year term policy can provide for young parents or senior citizens, with an amazing amount of coverage at rates as low as $7 per month.
Companies like Protective Life Insurance and American General have strong financial foundations and allow curious individuals to get free quotes within minutes.
This means that you can start comparing rates from different companies right away. Of course, you should never buy a policy from the first company you see.
Get a variety of quotes together first so you can examine what each one brings to the table. Enter your ZIP code below and start comparing free quotes from life insurance companies that offer 25-year terms today.