25 year term life insurance in Ontario — sample rates, dated and disclaimed

Reviewed by Habib Ur Rehman Bhatti, licensed Ontario life insurance advisor (LLQP) · Rate extract: September 2026

Quick answer

A 25-year term locks your premium for twenty-five years. It suits an obligation that ends in the mid-fifties — a 30-year mortgage started a few years late, or support that runs until a child is independent. Fewer carriers publish for 25 years than for 20, so the comparison is narrower even though the coverage need is common. Every figure on this page is a dated Ontario sample and is subject to underwriting.

Term 25 splits the difference between the popular 20-year block and the long 30-year block — useful when your mortgage amortization or support window lands in between.

See every coverage amount side by side in life insurance in Ontario — sample rates by age.

Quick answer: 25 year term life insurance in Ontario starts at about $42.75/month for a 35-year-old male non-smoker with $500,000 of coverage, and about $75.15/month for a 45-year-old female non-smoker. These are sample rates from dated advisor portals, ranked lowest shown first — your final premium is set at underwriting.

How term life insurance works in Ontario · Instant quote

2,056 real rates2 carriers publishingIssue ages 18–60Updated September 2026

What 25 year term life insurance actually costs in Ontario

Two live examples from our dataset. The highlighted row marks the lowest shown premium; a "—" means the carrier doesn't publish a rate for that exact profile.

Sample: 35 · male · non-smoker · $500,000 · monthly

$500,000 · 25-year term · 35 · male · non-smoker · monthly

Insurer	Monthly
iA Financial GroupLowest shown	$42.75≈ $513.00/yr†
Canada Protection PlanPreferred TermNo-medical · separate underwriting	$82.35≈ $988.20/yr†
Empire LifeNo 25-yr product in our data	—
Equitable Life of CanadaNo 25-yr product in our data	—
Foresters FinancialNo 25-yr product in our data	—
ManulifeNo 25-yr product in our data	—
ivariNo 25-yr product in our data	—

† Annual = monthly × 12, illustrative; annual billing may be lower at some carriers.

Rates extracted September 2026 from insurer advisor portals. Updated monthly. Actual premiums depend on underwriting.

Sample: 45 · female · non-smoker · $500,000 · monthly

$500,000 · 25-year term · 45 · female · non-smoker · monthly

Insurer	Monthly
iA Financial GroupLowest shown	$75.15≈ $901.80/yr†
Canada Protection PlanPreferred TermNo-medical · separate underwriting	$112.05≈ $1344.60/yr†
Empire LifeNo 25-yr product in our data	—
Equitable Life of CanadaNo 25-yr product in our data	—
Foresters FinancialNo 25-yr product in our data	—
ManulifeNo 25-yr product in our data	—
ivariNo 25-yr product in our data	—

† Annual = monthly × 12, illustrative; annual billing may be lower at some carriers.

Rates extracted September 2026 from insurer advisor portals. Updated monthly. Actual premiums depend on underwriting.

Price your own profile →

Who a 25-year term fits

Longer mortgages that outrun a 20-year plan
Buyers who want level pricing past typical 20-year windows

Strengths

Five extra level years versus T20 without jumping to 30
Can be cheaper than insuring with two stacked policies

Trade-offs

Only two carriers publish it in our dataset — less competition
Not offered by most insurers, so switching later may lose the level guarantee

Carriers publishing 25-year rates in our dataset

iA Financial Group · Canada Protection Plan. Rates were extracted from each carrier's advisor portal; availability and prices depend on the exact profile. Not all applicants qualify — final premiums are set by underwriting.

Availability matters here: in our dataset only iA Financial Group and Canada Protection Plan publish T25 rates, so the comparison field is smaller. The premiums below are still real extracted numbers, never estimates.

Term life in Ontario · 10 year term · 20 year term · 25 year term · 30 year term · What term life costs · Travel · Rate calculator

Sample rates by age: 20 · 25 · 30 · 35 · 40 · 45 · 50 · 55 · 60

Term 25 life insurance — common questions

What is 25 year term life insurance?

25 year term life insurance (also written "term 25") charges one level premium for 25 years — five level years more than the popular Term 20, without jumping to a 30-year commitment. If you die during the term, your beneficiary receives the tax-free death benefit.

Which insurers offer Term 25 in Ontario?

Availability is narrower than Term 20: in our dataset iA Financial Group and Canada Protection Plan publish Term 25 rates. Fewer carriers publish it, so the comparison field is smaller — but the premiums shown are still real extracted numbers, never estimates.

How much does 25 year term life insurance cost in Ontario?

It depends on your age, sex, smoking status and the carrier. The sample tables on this page show real premiums for a 35-year-old man and a 45-year-old woman, $500,000 each, with the lowest shown premium highlighted. Sample rates, subject to underwriting.

Is Term 25 better than Term 20?

If your mortgage amortization or support window lands past 20 years, Term 25 can be cheaper than insuring with two stacked policies. The trade-off is that fewer insurers offer it, so you may lose the level guarantee if you switch carriers later.

Want this 25 year term profile priced properly?

Leave your name, number and email and a licensed Ontario advisor will call — usually Habib. No brokerage fee; the insurer pays the brokerage if you buy.

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Age45

1875

Coverage amount

Term length

Sex

Smoker

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Updating rates…

$500,000 · 25-year term · 45 · female · non-smoker · monthly

Insurer	Monthly	Action

† Annual = monthly × 12, illustrative; annual billing may be lower at some carriers.

Rates extracted September 2026 from insurer advisor portals. Updated monthly. Actual premiums depend on underwriting.