Return of Premium Life Insurance Rates For 30-Year-Olds
- Updated: February 23, 2023

Thirty is often considered an important age in life due to the significant life changes and milestones that may occur. At this age, many individuals have established a career, are beginning to focus on building financial security, and may have started a family.
Additionally, they may be starting to look ahead and plan for the future, such as by investing in property or setting up retirement savings plans. However, 30 is also a crucial age to consider life insurance.
Despite being young and (presumably) healthy, unexpected illnesses or conditions may arise and prevent individuals from obtaining coverage. Life insurance can be an important financial security tool for those at 30 to help protect their loved ones and provide for their future. In the event of an untimely death or disability, life insurance can be there to help their family financially and ensure that their estate is in the right hands.
Purchasing life insurance at age 30 can ensure that the individual receives the most competitive term life insurance rates and will be covered in the event of an emergency.
(Note: See here for 29-year-old ROP rates or the cost of ROP term life insurance for a 31-year-old.)
Table of Contents
Male Return of Premium Rates (Age 30)
Age | Gender | Smoker | Coverage | Rate (20-Year) | Rate (30-Year) |
---|---|---|---|---|---|
30 | Men | No | $25,000 | $10 | $9 |
30 | Men | No | $50,000 | $14 | $12 |
30 | Men | No | $75,000 | $18 | $15 |
30 | Men | No | $100,000 | $22 | $19 |
30 | Men | No | $150,000 | $29 | $25 |
30 | Men | No | $200,000 | $37 | $31 |
30 | Men | No | $250,000 | $36 | $33 |
30 | Men | No | $300,000 | $42 | $38 |
30 | Men | No | $400,000 | $53 | $49 |
30 | Men | No | $500,000 | $65 | $59 |
30 | Men | No | $1,000,000 | $118 | $105 |
Looking at the table above, we can see the male return of premium rates at age 30 for various coverage amounts and term lengths. Let’s take a closer look at the rates for two coverage amounts and compare the 20-year and 30-year term policies.
For a coverage amount of $100,000, 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 30-year term policy is actually cheaper than the 20-year term policy for this coverage amount. For a coverage amount of $500,000, 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 30-year term policy is cheaper than the 20-year term policy for this coverage amount.
When we compare the cost per dollar of coverage across 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 $25,000 policy is $0.40, while the cost per dollar of coverage for a $1,000,000 policy is $0.105. Additionally, we can see that the cost per dollar of coverage is generally lower for the 30-year term policies compared to the 20-year term policies.
In summary, the rates for a 30-year term policy are generally cheaper than the rates for a 20-year term policy for the same coverage amount. The cost per dollar of coverage decreases as the coverage amount increases, and the cost per dollar of coverage is generally lower for the 30-year term policies compared to the 20-year term policies.
ROP Term Life Cost (Male Smokers; Age 30)
Age | Gender | Smoker | Coverage | Rate (20-Year) | Rate (30-Year) |
---|---|---|---|---|---|
30 | Men | Yes | $25,000 | $20 | $15 |
30 | Men | Yes | $50,000 | $33 | $25 |
30 | Men | Yes | $75,000 | $47 | $34 |
30 | Men | Yes | $100,000 | $61 | $44 |
30 | Men | Yes | $150,000 | $88 | $62 |
30 | Men | Yes | $200,000 | $115 | $81 |
30 | Men | Yes | $250,000 | $120 | $87 |
30 | Men | Yes | $300,000 | $142 | $103 |
30 | Men | Yes | $400,000 | $188 | $135 |
30 | Men | Yes | $500,000 | $218 | $160 |
30 | Men | Yes | $1,000,000 | $429 | $307 |
If you’re a male smoker at age 30, you might be interested in the rates for ROP term life insurance. Let’s take a look at the table above to see what you can expect to pay.
First, let’s choose two coverage amounts to compare. How about $100,000 and $500,000? For $100,000 in coverage, you can expect to pay $61 for a 20-year term policy or $44 for a 30-year term policy. For $500,000 in coverage, the rates jump up to $218 for a 20-year term policy and $160 for a 30-year term policy.
Now, let’s compare the rates between the two term lengths for these coverage amounts. For $100,000 in coverage, the difference in rates between a 20-year and a 30-year term policy is $17. For $500,000 in coverage, the difference is $58. So, it seems that the longer the term, the more you can save.
But how does the cost per dollar of coverage vary across coverage amounts and term lengths? Looking at the table, 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 at $25,000 coverage is $0.80, while the cost per dollar of coverage for a 20-year term policy at $1,000,000 in coverage is $0.43. Additionally, the cost per dollar of coverage decreases as the term length increases. For example, the cost per dollar of coverage for a $500,000 coverage amount is $0.44 for a 20-year term policy and $0.32 for a 30-year term policy.
Overall, it’s important to consider both coverage amount and term length when choosing an ROP term life insurance policy. The rates can vary significantly depending on these factors, and it’s important to find a policy that fits your budget and coverage needs.
ROP Life Insurance Prices (Female Smokers; Age 30)
Age | Gender | Smoker | Coverage | Rate (20-Year) | Rate (30-Year) |
---|---|---|---|---|---|
30 | Women | Yes | $25,000 | $16 | $13 |
30 | Women | Yes | $50,000 | $25 | $20 |
30 | Women | Yes | $75,000 | $35 | $27 |
30 | Women | Yes | $100,000 | $45 | $34 |
30 | Women | Yes | $150,000 | $64 | $47 |
30 | Women | Yes | $200,000 | $84 | $61 |
30 | Women | Yes | $250,000 | $82 | $65 |
30 | Women | Yes | $300,000 | $97 | $77 |
30 | Women | Yes | $400,000 | $128 | $100 |
30 | Women | Yes | $500,000 | $156 | $120 |
30 | Women | Yes | $1,000,000 | $301 | $229 |
Looking at the table above, we can see the rates for female return of premium term policies for those who are 30 years old and non-smokers. Let’s focus on two coverage amounts, $100,000 and $500,000, and compare the rates for 20-year and 30-year term policies.
For a $100,000 policy, the rate for a 20-year term is $16, while the rate for a 30-year term is $14. This means that the 20-year term policy is more expensive by $2 per year. For a $500,000 policy, the rate for a 20-year term is $44, while the rate for a 30-year term is $41. Here, the 20-year term policy is more expensive by $3 per year.
When we look at the cost per dollar of coverage, we can see that it generally decreases as the coverage amount increases. For example, for a 20-year term policy, the cost per dollar of coverage for a $25,000 policy is $0.36, while for a $1,000,000 policy, it is $0.08. Similarly, for a 30-year term policy, the cost per dollar of coverage for a $25,000 policy is $0.32, while for a $1,000,000 policy, it is $0.08.
In conclusion, the rates for female return of premium term policies vary based on coverage amount and term length. Choosing a longer term length can lead to lower rates, but it’s important to weigh the cost per dollar of coverage when selecting a policy.
ROP Life Insurance Prices (Female Smokers; Age 30)
Age | Gender | Smoker | Coverage | Rate (20-Year) | Rate (30-Year) |
---|---|---|---|---|---|
30 | Women | Yes | $25,000 | $16 | $13 |
30 | Women | Yes | $50,000 | $25 | $20 |
30 | Women | Yes | $75,000 | $35 | $27 |
30 | Women | Yes | $100,000 | $45 | $34 |
30 | Women | Yes | $150,000 | $64 | $47 |
30 | Women | Yes | $200,000 | $84 | $61 |
30 | Women | Yes | $250,000 | $82 | $65 |
30 | Women | Yes | $300,000 | $97 | $77 |
30 | Women | Yes | $400,000 | $128 | $100 |
30 | Women | Yes | $500,000 | $156 | $120 |
30 | Women | Yes | $1,000,000 | $301 | $229 |
If you’re a 30-year-old female smoker looking for life insurance coverage, the table above provides you with a breakdown of ROP life insurance prices for different coverage amounts and term lengths.
Let’s say you’re interested in coverage amounts of $50,000 and $300,000. For a 20-year term policy with a $50,000 coverage amount, you’d pay a rate of $25. However, if you opted for a 30-year term policy with the same coverage amount, you’d pay a lower rate of $20. For a $300,000 coverage amount, the 20-year term policy rate is $97, while the 30-year term policy rate is $77.
Looking at the cost per dollar of coverage, you’ll notice that it decreases as the coverage amount increases. For example, the cost per dollar of coverage for a 20-year term policy with a $25,000 coverage amount is $0.00064, while the cost per dollar of coverage for a 30-year term policy with a $1,000,000 coverage amount is $0.000229.
Overall, it’s important to carefully consider your coverage needs and budget when choosing a life insurance policy. While a longer term length may result in a lower rate, it’s important to ensure that the coverage amount is sufficient for your needs.