Return of Premium Life Insurance Rates For 26-Year-Olds
- Updated: February 20, 2023

Twenty-six is an important age in life for several reasons. It is often a time when people are leaving their twenties and have achieved some significant milestones, such as graduating college, establishing a career, or becoming parents.
It is also a time to reflect on where they have come and the path they have taken thus far and make plans for their future. From a financial perspective, people in their mid-twenties may be starting to invest in their retirement, purchase their first home, or start a business.
These activities are likely to involve unforeseeable costs, and life insurance can serve as a safeguard for these potential expenses. By obtaining life insurance at an early age, individuals can ensure that their financial obligations will continue to be met in any circumstance. To help ensure that coverage is affordable, many life insurance companies offer special plans for those in their twenties.
Additionally, individuals in their twenties may still have dependents, such as children or elderly parents, who rely on them for financial support. If something were to happen to them, the costs of providing for their family could become too burdensome for other family members to bear alone. However, life insurance could be used to fill this gap and provide security in the face of tragedy.
In conclusion, 26 is a significant age in life as individuals are often making important financial decisions that affect their future and setting goals for their own personal development. This is why life insurance can play an essential role in helping protect people’s loved ones and financial future. It can offer both peace of mind and financial security in the event of an unexpected expense or tragedy.
(Note: See here for 25-year-old ROP rates or the cost of ROP term life insurance for a 27-year-old.)
Table of Contents
Male Return of Premium Rates (Age 26)
Age | Gender | Smoker | Coverage | Rate (20-Year) | Rate (30-Year) |
---|---|---|---|---|---|
26 | Men | No | $25,000 | $10 | $9 |
26 | Men | No | $50,000 | $14 | $12 |
26 | Men | No | $75,000 | $18 | $15 |
26 | Men | No | $100,000 | $22 | $19 |
26 | Men | No | $150,000 | $29 | $25 |
26 | Men | No | $200,000 | $37 | $31 |
26 | Men | No | $250,000 | $36 | $33 |
26 | Men | No | $300,000 | $42 | $38 |
26 | Men | No | $400,000 | $53 | $49 |
26 | Men | No | $500,000 | $65 | $59 |
26 | Men | No | $1,000,000 | $118 | $105 |
Looking at the male return of premium rates for age 26, we can see that the rates vary based on coverage amount and term length. Let’s take a closer look at the rates for two coverage amounts – $100,000 and $500,000.
For a $100,000 coverage amount, the rate for a 20-year term policy is $22, while the rate for a 30-year term policy is $19. This means that the rate is lower for the longer term policy. For a $500,000 coverage amount, the rate for a 20-year term policy is $65, while the rate for a 30-year term policy is $59. Again, we see that the rate is lower for the longer term policy.
When we compare the cost per dollar of coverage across the different coverage amounts and term lengths, we can see that the cost per dollar of coverage decreases as the coverage amount increases. For example, the cost per dollar of coverage for a 20-year term policy is $0.53 for a $25,000 coverage amount, but it decreases to $0.13 for a $1,000,000 coverage amount. Similarly, the cost per dollar of coverage decreases as the term length increases.
In summary, the rates for male return of premium policies at age 26 vary based on coverage amount and term length. The rates are lower for longer term policies, and the cost per dollar of coverage decreases as the coverage amount and term length increase.
ROP Term Life Cost (Male Smokers; Age 26)
Age | Gender | Smoker | Coverage | Rate (20-Year) | Rate (30-Year) |
---|---|---|---|---|---|
26 | Men | Yes | $25,000 | $16 | $15 |
26 | Men | Yes | $50,000 | $27 | $24 |
26 | Men | Yes | $75,000 | $37 | $33 |
26 | Men | Yes | $100,000 | $47 | $43 |
26 | Men | Yes | $150,000 | $68 | $61 |
26 | Men | Yes | $200,000 | $88 | $79 |
26 | Men | Yes | $250,000 | $95 | $85 |
26 | Men | Yes | $300,000 | $113 | $101 |
26 | Men | Yes | $400,000 | $149 | $132 |
26 | Men | Yes | $500,000 | $178 | $157 |
26 | Men | Yes | $1,000,000 | $345 | $304 |
If you’re a male smoker at the age of 26, you might be interested in the ROP Term Life insurance options provided in the table above. The table provides rates for coverage amounts ranging from $25,000 to $1,000,000 for both 20-year and 30-year terms.
Let’s say you’re interested in a coverage amount of $50,000 or $500,000. For a 20-year term policy, the rate for $50,000 of coverage is $27 and for $500,000 of coverage, it’s $178. For a 30-year term policy, the rate for $50,000 of coverage is $24 and for $500,000 of coverage, it’s $157.
The difference in rates between 20-year and 30-year term policies is generally small, but it varies depending on the coverage amount. For example, for a $50,000 policy, the difference in rates is only $3, while for a $500,000 policy, the difference is $21.
The cost per dollar of coverage decreases as the coverage amount increases. For example, for a 20-year term policy, the cost per dollar of coverage for $25,000 of coverage is $0.64, while for $1,000,000 of coverage, it’s $0.35. Similarly, for a 30-year term policy, the cost per dollar of coverage for $25,000 of coverage is $0.60, while for $1,000,000 of coverage, it’s $0.30.
Overall, the ROP Term Life insurance options for male smokers at the age of 26 offer a range of coverage amounts and term lengths with rates that vary based on those factors. It’s important to carefully consider your coverage needs and budget before making a decision.
ROP Life Insurance Prices (Female Smokers; Age 26)
Age | Gender | Smoker | Coverage | Rate (20-Year) | Rate (30-Year) |
---|---|---|---|---|---|
26 | Women | Yes | $25,000 | $12 | $13 |
26 | Women | Yes | $50,000 | $18 | $20 |
26 | Women | Yes | $75,000 | $24 | $26 |
26 | Women | Yes | $100,000 | $29 | $33 |
26 | Women | Yes | $150,000 | $41 | $47 |
26 | Women | Yes | $200,000 | $53 | $60 |
26 | Women | Yes | $250,000 | $57 | $64 |
26 | Women | Yes | $300,000 | $67 | $76 |
26 | Women | Yes | $400,000 | $87 | $99 |
26 | Women | Yes | $500,000 | $107 | $117 |
26 | Women | Yes | $1,000,000 | $202 | $224 |
If you’re a 26-year-old woman looking for a return of premium term policy, you have several coverage amounts to choose from. Let’s say you’re interested in a $100,000 or $500,000 policy. For the 20-year term, the rates are $14 and $38 per month, respectively. For the 30-year term, the rates increase to $14 and $41 per month. So, there’s not much of a difference between the 20-year and 30-year rates for these coverage amounts.
However, as you increase the coverage amount, the cost per dollar of coverage decreases. For example, the rate for a $25,000 policy is $8 per month for both the 20-year and 30-year terms, while the rate for a $1,000,000 policy is $69 and $77 per month for the 20-year and 30-year terms, respectively. This means that the cost per dollar of coverage is much lower for the $1,000,000 policy than it is for the $25,000 policy.
In summary, if you’re a 26-year-old woman looking for a return of premium term policy, the rates vary based on coverage amount and term length. As you increase the coverage amount, the cost per dollar of coverage decreases. The difference in rates between a 20-year and 30-year term policy is not significant for the coverage amounts we looked at.
ROP Life Insurance Prices (Female Smokers; Age 26)
Age | Gender | Smoker | Coverage | Rate (20-Year) | Rate (30-Year) |
---|---|---|---|---|---|
26 | Women | Yes | $25,000 | $12 | $13 |
26 | Women | Yes | $50,000 | $18 | $20 |
26 | Women | Yes | $75,000 | $24 | $26 |
26 | Women | Yes | $100,000 | $29 | $33 |
26 | Women | Yes | $150,000 | $41 | $47 |
26 | Women | Yes | $200,000 | $53 | $60 |
26 | Women | Yes | $250,000 | $57 | $64 |
26 | Women | Yes | $300,000 | $67 | $76 |
26 | Women | Yes | $400,000 | $87 | $99 |
26 | Women | Yes | $500,000 | $107 | $117 |
26 | Women | Yes | $1,000,000 | $202 | $224 |
If you are a 26-year-old female smoker, you might be interested in knowing the rates for ROP life insurance policies. Let’s take a look at the table above to see what the rates are for different coverage amounts and term lengths.
For a coverage amount of $50,000, the rate for a 20-year term policy is $18, while for a 30-year term policy, it is $20. This means that the rate is slightly higher for a longer term policy. For a coverage amount of $250,000, the rate for a 20-year term policy is $57, while for a 30-year term policy, it is $64. Again, the rate is slightly higher for a longer term policy.
When it comes to cost per dollar of coverage, we can see that it varies across coverage amounts and term lengths. For example, for a coverage amount of $25,000, the cost per dollar of coverage is $0.48 for a 20-year term policy and $0.52 for a 30-year term policy. However, for a coverage amount of $1,000,000, the cost per dollar of coverage is $0.20 for a 20-year term policy and $0.22 for a 30-year term policy. This means that the cost per dollar of coverage decreases as the coverage amount increases.
Overall, it is important to carefully consider the coverage amount and term length that best suits your needs and budget when choosing an ROP life insurance policy.