$250,000 Term Life Insurance Policy Rates
Term life insurance is coverage that lasts only for a defined period of time. It may last for a certain number of years, such as 10, 20, 25, or 30. However, it may last until you reach a certain age, such as 70 or 80.
Ultimately, when the policy ends, you’re no longer insured. In nearly every case, the insurer keeps the premiums you’ve paid.
$250,000 Whole Life Insurance Policy Rates
Whole life insurance is coverage that lasts indefinitely. Furthermore, the price and the death benefit are guaranteed to remain the same. Lastly, the policy builds cash value, which is similar to a behind-the-scenes savings account.
| Age | Female | Male |
|---|---|---|
| 20 | $126 | $144 |
| 25 | $149 | $170 |
| 30 | $176 | $202 |
| 35 | $210 | $244 |
| 40 | $253 | $297 |
| 45 | $318 | $366 |
| 50 | $391 | $455 |
| 55 | $511 | $585 |
| 60 | $664 | $761 |
| 65 | $867 | $992 |
| 70 | $1,193 | $1,364 |
| 75 | $1,736 | $1,956 |
| 80 | $2,323 | $2,567 |
| 85 | $2,903 | $3,261 |
| Monthly rates are calculated at a preferred non-tobacco rating, rounded to the nearest dollar, and are valid as of 03/09/2026. | ||
$250,000 Universal Life Insurance Policy Rates
Universal life insurance is coverage that can, and often does, last forever. Where it departs from whole life insurance is that it offers greater flexibility in premium payments (you can adjust them) and in cash value growth.
Universal life policies require careful management because paying too little or withdrawing too much cash value can negatively affect the policy’s longevity and minimum cost.
| Age | Female | Male |
|---|---|---|
| 20 | $63 | $73 |
| 25 | $64 | $74 |
| 30 | $71 | $87 |
| 35 | $93 | $113 |
| 40 | $116 | $139 |
| 45 | $140 | $173 |
| 50 | $164 | $205 |
| 55 | $189 | $236 |
| 60 | $248 | $317 |
| 65 | $307 | $398 |
| 70 | $485 | $695 |
| 75 | $675 | $1,000 |
| 80 | $994 | $1,484 |
| 85 | $1,524 | $2,184 |
| Monthly rates are calculated at a non-tobacco preferred rating, rounded to the nearest dollar, and are valid as of 03/09/2026. | ||
How Your Health Plays A Role
It’s important to remember that your health history can significantly impact your eligibility and the cost. Minor common issues such as high blood pressure or high cholesterol are generally not an issue.
However, major health issues such as past heart attacks, strokes, or cancer will significantly affect your options. If you have some severe health conditions in your past, you should speak with an experienced licensed agent who can properly advise you of your options.
When applying for a $250,000 life insurance policy, you will either have to complete a medical exam or not. Both options are available. If you’re in moderate to good health, opting for a medical exam is advisable, as it’s likely to lead to a lower price.
Is $250,000 In Life Insurance Enough Coverage?
$250,000 is probably enough coverage to pay off a mortgage or other debts (average mortgage debt in the USA is roughly 250K). However, it will likely not be enough to replace your income if you’re the primary breadwinner of your household.
Most experts suggest that you have enough coverage that is equal to at least ten times your annual income. The average yearly income in the USA is slightly over $80,000, which would necessitate a total death benefit of $800,000.
If you already have life insurance and need more, then perhaps $250,000 would be enough. However, it would depend on how much coverage you currently have. Life insurance calculators are especially helpful at determining how much coverage you need.
- Nationally licensed life insurance agent with over 16 years of experience.
- Personal annual production that puts him in the top .001% out of all life insurance agents in the nation.
Anthony Martin is a nationally licensed insurance expert with over 16 years of experience and has personally served over 10,000 clients with their life insurance needs. He frequently authors entrepreneurial and life insurance content for Forbes, Inc.com, Newsweek, Kiplinger, and Entreprenuer.com. Anthony has been consulted as an expert life insurance source for dozens of high-profile websites such as Forbes, Bankrate, Reuters, Fox Business, CNBC, Investopedia, Insurance.com, Yahoo Finance, and many more.
- Nationally licensed life insurance agent with over 20 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 20 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.
- Nationally licensed life insurance agent with over 15 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 15 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.
- Nationally licensed life insurance agent with over 20 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 20 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.
- Nationally licensed life insurance agent with over 15 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 15 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.
Choice Mutual often cites third-party websites to provide context and verification for specific claims made in our work. We only link to authoritative websites that provide accurate information. You can learn more about our editorial standards, which guide our mission of delivering factual and impartial content.
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mortgage debt in the USA. https://www.bankrate.com/mortgages/average-mortgage-debt/
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yearly income in the USA. https://www.census.gov/library/publications/2025/demo/p60-286.html
