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The majority of whole life policies start at $50,000 – $100,000. When searching for a whole life insurance policy, it can be difficult to find lower coverage amounts. Fortunately, this is where a small whole life insurance plan can help.
The Basics Of A $25,000 Whole Life Insurance Policy
When applying for a 25000 whole life insurance policy, three permanent benefits come with the plan.
Price Never Increases: Your monthly premium will never increase. This allows seniors to plan for the monthly fixed cost moving forward.
Coverage Never Decreases: The coverage amount will never lower or terminate. No matter how long the policyholder lives, the beneficiary will always be entitled to a $25,000 payout.
Builds Cash Value: With each monthly payment made, a portion will go towards the cash value. Over time this amount will grow and can be borrowed from.
Who Needs a $25,000 Life Insurance Policy?
This coverage amount is great for anyone who is planning on using this policy to cover funeral costs. Also, these plans do not restrict what the beneficiary can or cannot use the money for.
This means if you have any leftover debt, medical expenses, or even unpaid final utility bills, this product will take that burden off of your surviving family members.
A $25,000 Life Insurance Policy is Good for People Who:
- cannot qualify for a policy that requires a health exam
- do not want to get a medical exam
- want a permanent policy
- want a policy to cover final expenses
- have no money set aside for your funeral expenses
- want your monthly insurance premiums to be locked in for life
- want your coverage amount to remain the same
Is $25,000 Enough for Life Insurance?
Life insurance is meant to cover your liabilities and protect your loved ones from financial risk. $25,000 of coverage can protect your family from smaller costs like funeral expenses or debt left behind. A $25,000 whole life insurance policy should not be used to supplement income. If you need more protection, a larger whole life plan or term insurance coverage would be a better financial decision.
The Cost Of $25000 Life Insurance Policy
Listed below are $25,000 whole life insurance quotes. These prices can fluctuate depending on your current and prior medical status. The quotes listed are for a healthy individual with no serious medical concerns.
$25,000 Whole Life InsuranceNon-Smoking Rates |
||
| Age | Female | Male |
| 45 | $52 | $63 |
| 46 | $53 | $64 |
| 47 | $54 | $66 |
| 48 | $55 | $68 |
| 49 | $56 | $70 |
| 50 | $56 | $72 |
| 51 | $58 | $74 |
| 52 | $60 | $75 |
| 53 | $61 | $77 |
| 54 | $63 | $81 |
| 55 | $64 | $85 |
| 56 | $67 | $89 |
| 57 | $70 | $92 |
| 58 | $72 | $96 |
| 59 | $74 | $100 |
| 60 | $77 | $105 |
| 61 | $81 | $111 |
| 62 | $85 | $118 |
| 63 | $89 | $123 |
| 64 | $94 | $129 |
| 65 | $98 | $136 |
| 66 | $104 | $145 |
| 67 | $110 | $153 |
| 68 | $116 | $162 |
| 69 | $122 | $172 |
| 70 | $128 | $182 |
| 71 | $136 | $192 |
| 72 | $141 | $205 |
| 73 | $154 | $219 |
| 74 | $165 | $232 |
| 75 | $176 | $245 |
| 76 | $191 | $263 |
| 77 | $204 | $281 |
| 78 | $216 | $301 |
| 79 | $229 | $319 |
| 80 | $241 | $345 |
| 81 | $261 | $370 |
| 82 | $280 | $396 |
| 83 | $298 | $423 |
| 84 | $317 | $450 |
| 85 | $335 | $477 |
| 86 | $423 | $585 |
| 87 | $510 | $686 |
| 88 | $596 | $788 |
| 89 | $683 | $889 |
$25,000 Whole Life InsuranceSmoking Rates |
||
| Age | Female | Male |
| 45 | $68 | $86 |
| 46 | $69 | $87 |
| 47 | $70 | $88 |
| 48 | $72 | $90 |
| 49 | $72 | $92 |
| 50 | $74 | $91 |
| 51 | $78 | $94 |
| 52 | $80 | $97 |
| 53 | $84 | $106 |
| 54 | $87 | $110 |
| 55 | $92 | $115 |
| 56 | $95 | $120 |
| 57 | $98 | $125 |
| 58 | $101 | $131 |
| 59 | $104 | $137 |
| 60 | $108 | $144 |
| 61 | $114 | $153 |
| 62 | $120 | $164 |
| 63 | $125 | $173 |
| 64 | $131 | $184 |
| 65 | $137 | $195 |
| 66 | $146 | $209 |
| 67 | $154 | $223 |
| 68 | $163 | $237 |
| 69 | $171 | $249 |
| 70 | $181 | $264 |
| 71 | $193 | $283 |
| 72 | $207 | $299 |
| 73 | $219 | $320 |
| 74 | $232 | $337 |
| 75 | $245 | $358 |
| 76 | $268 | $395 |
| 77 | $289 | $430 |
| 78 | $311 | $460 |
| 79 | $331 | $486 |
| 80 | $333 | $511 |
| 81 | $363 | $542 |
| 82 | $397 | $591 |
| 83 | $422 | $631 |
| 84 | $444 | $667 |
| 85 | $476 | $703 |
| 86 | $636 | $979 |
| 87 | $742 | $1,128 |
| 88 | $848 | $1,277 |
| 89 | $954 | $1,425 |
How To Qualify For A $25000 Life Insurance Plan
Qualifying for a 25000 life insurance policy is effortless. The underwriting process is simplified issue, which means there are no medical exams required. However, there will be a series of yes or no health questions.
Depending on how you answer these questions will determine which plan and price point you qualify for.
Best Companies for a $25,000 Policy
Finding the best final expense insurance company will depend on your medical history. Many factors will determine the best plan for you, but these carriers are at the top of the list for most applicants.
Mutual of Omaha
- Plan Name: Living Promise Level
- Age Eligibility: 45 – 85
- Health Questions: Yes
- Waiting Period for Benefits: No
- States Covered: 49 states & DC (excluding NY)
- A.M. Best Company Rating: A+ (superior)
- Full Mutual of Omaha Review
This is a great plan for healthy seniors. With immediate coverage and rock-bottom premiums, this will be a top option if you can medically qualify.
The policy will allow for a maximum of $40,000 of coverage.
CVS/Aetna
- Plan Name: Accendo Level
- Age Eligibility: 40 – 89
- Health Questions: Yes
- Waiting Period for Benefits: No
- States Covered: 49 states & DC (excluding NY)
- A.M. Best Company Rating: A (excellent)
- Full CVS/Aetna Review
This plan could be a great option for seniors with specific medical conditions like lupus, bipolar disorder, COPD, kidney disease, etc. With day one coverage, this plan is another top option.
Accendo allows a maximum coverage amount of $50,000, depending on age.
AIG
- Plan Name: Guaranteed Issue
- Age Eligibility: 50 – 80
- Health Questions: No
- Waiting Period for Benefits: 2-years
- States Covered: 49 states & DC (excluding NY)
- A.M. Best Company Rating: A (excellent)
- Full AIG Review
This guaranteed issue plan is a great choice for seniors with serious medical concerns. This product will accept almost anyone because there are no health questions asked.
The maximum amount of coverage permitted to be taken out is $25,000.
What If I Can’t afford a $25,000 Life Insurance Policy?
Funeral insurance is flexible and financially friendly. Coverage amounts range from $2,000 – $50,000 and can be adjusted to accommodate any budget. This gives seniors access to permanent whole life insurance.
Work with a highly rated independent agent who has access to multiple companies. This will be your best option for life insurance coverage.
Working With Willamette Life
Willamette Life specializes in burial insurance. Our team focuses on placing clients with the best policy to fit their medical history and budget.
Call us at 844-576-0019
Final Thoughts On 25000 Life Insurance
a. Finding a $25000 whole life insurance policy is straightforward. With a simplified issue underwriting process, all that will be required is an answering a series of medical questions over the phone.
b. Coverage is flexible, making these policies affordable for any budget. If you cannot afford a $25,000 policy, lower the coverage amount down to what is right for your financial situation.
c. Finding the best plan for you will require working with an independent agent. These agents have access to multiple life insurance companies, which allows them to price shop and find you the lowest prices.
I’m the owner and founder of Willamette Life Insurance. Willamette Life specializes in Final Expense Insurance. We compare prices with different insurance carriers while finding the perfect match for your health and budget. This company was started to help educate the public on why Final Expense Insurance could be a great option for them and their family. We strive to be friendly, informative, and always have the client’s best interest as our top priority. Everything in this article is my own professional opinion and experiences I have had during my time in helping clients.