Should I Buy 25 or 30-Year Term Life Insurance?

Shawn Plummer

CEO, The Annuity Expert

Key Factors to Consider

  1. Age and Health: A longer-term policy might be more beneficial if you’re younger and in good health as it locks in a lower rate for longer.
  2. Financial Responsibilities: Consider the length of your financial obligations, like mortgage, children’s education, and retirement needs.
  3. Cost: Longer terms usually have higher premiums. Assess if the extra cost aligns with your financial plan.
  4. Future Insurability: If your health deteriorates, renewing or getting a new policy later might be more expensive or difficult.


  • Young Professional: At 30 years old, with a new mortgage and plans for a family, a 30-year term might be ideal to cover these long-term commitments.
  • Middle-aged Individual: At 45, with teenage children and a half-paid mortgage, a 25-year term might be sufficient to cover these responsibilities until retirement.


Advantages of 25-Year Term

  • Lower Cost: Generally cheaper than 30-year terms.
  • Alignment with Needs: Ideal if major expenses will diminish in 25 years.

Advantages of 30-Year Term

  • Longer Coverage: Provides peace of mind for a longer period.
  • Fixed Premiums: Locks in rates even if health changes.

Comparison of 25-Year vs. 30-Year Term Life Insurance

Feature25-Year Term30-Year Term
Coverage Duration25 years30 years
CostGenerally LowerGenerally Higher
Best ForShorter-term financial obligationsLonger-term financial obligations
Future Insurability ConcernsHigher at end of termLower at end of term


Choosing between 25 or 30-year term life insurance depends on age, health, financial responsibilities, and budget. A 25-year term is cost-effective for shorter financial commitments, while a 30-year term offers extended security. Consider your unique situation to make the best choice.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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