What $25,000 costs
| Example buyer | Monthly price |
|---|---|
| 60 year old woman, non tobacco, whole life, no exam | $76/mo |
| 60 year old man, non tobacco, whole life, no exam | $103/mo |
| 70 year old woman, non tobacco, whole life, no exam | $127/mo |
| 70 year old man, non tobacco, whole life, no exam | $169/mo |
| 50 year old woman, non tobacco, term, no exam (term length not stated by source) | $18/mo |
Published sample rates from Choice Mutual, rates valid as of March 9, 2026. Your price depends on your age, health and the company.
What it can pay for
- A funeral with burial and a vault (median $9,995 per NerdWallet's NFDA table)
- Medical bills and credit cards
- A small gift to kids or grandkids
- Travel costs for family
Common questions
Is $25,000 a lot for final expense?
It is on the high end. It can cover a full funeral and leave some left over.
Can I get $25,000 with no exam?
Choice Mutual says $25,000 policies do not require a medical exam.
Why do men pay more?
Insurers set prices by sex. In Choice Mutual's $25,000 tables, men pay more than women at every age shown.
Is $25,000 enough?
A policy this size is usually final expense or a small whole life plan. It covers a funeral, which had a median cost of $8,300 with burial in 2023, plus a few last bills.
To check, add up your pay for the years your family needs it, your mortgage, other debts, school money for kids and the funeral. Then subtract savings and coverage you already have. Our coverage calculator does it in a minute.
Ways to lower the price
- Buy sooner. Prices go up with age.
- Pick term life if you only need coverage for a set number of years.
- Quit tobacco. Smokers can pay several times more.
- Compare companies. Each one prices age, health and jobs differently.
