Return of Premium Life Insurance Rates For 35-Year-Olds
- Updated: February 24, 2023
At age 35, individuals may have reached a stage of life where they have a lot to celebrate. Many people have established careers and businesses, have bought or rented homes, and may have even started a family.
Yet, 35 is also an age in which people start to realize the importance of planning for the future. When it comes to life insurance, 35 is an important age.
Not only is life insurance an important part of estate planning, but it can also help provide a safety net in the event of an unexpected illness or injury. For those with dependents, such as children or elderly relatives, life insurance can help ensure that their family is taken care of in their absence. At the age of 35, people may also start to experience slight health issues that could make it harder for them to qualify for life insurance coverage.
For this reason, it’s important for people to start researching their life insurance options early. By purchasing a life insurance policy at a younger age, individuals can help ensure that they can get the coverage they need.
(Note: See here for 34-year-old ROP rates or the cost of ROP term life insurance for a 36-year-old.)
Table of Contents
Male Return of Premium Rates (Age 35)
| Age | Gender | Smoker | Coverage | Rate (20-Year) | Rate (30-Year) |
|---|---|---|---|---|---|
| 35 | Men | No | $25,000 | $12 | $11 |
| 35 | Men | No | $50,000 | $17 | $16 |
| 35 | Men | No | $75,000 | $23 | $20 |
| 35 | Men | No | $100,000 | $28 | $25 |
| 35 | Men | No | $150,000 | $39 | $34 |
| 35 | Men | No | $200,000 | $50 | $44 |
| 35 | Men | No | $250,000 | $47 | $50 |
| 35 | Men | No | $300,000 | $55 | $59 |
| 35 | Men | No | $400,000 | $71 | $77 |
| 35 | Men | No | $500,000 | $87 | $85 |
| 35 | Men | No | $1,000,000 | $157 | $154 |
Looking at the table above, we can see the return of premium rates for men who are 35 years old and do not smoke. The rates are provided for different coverage amounts and term lengths, namely 20-year and 30-year policies.
Let’s take a closer look at the rates for two coverage amounts. For a coverage amount of $100,000, the rate for a 20-year policy is $28, while the rate for a 30-year policy is $25. For a coverage amount of $500,000, the rate for a 20-year policy is $87, while the rate for a 30-year policy is $85.
We can see that for both coverage amounts, the rate for a 30-year policy is lower than the rate for a 20-year policy. The difference in rates is $3 for a $100,000 coverage amount and only $2 for a $500,000 coverage amount. This means that the longer the term length, the lower the rate, which could be beneficial for those who want to keep their premiums low over a longer period.
When looking at the cost per dollar of coverage, we can see that the rates generally decrease as the coverage amount increases. For example, the rate for a $25,000 coverage amount is $12 for a 20-year policy, while the rate for a $1,000,000 coverage amount is $157 for a 20-year policy. This means that the cost per dollar of coverage decreases as the coverage amount increases. Additionally, we can see that the rates for a 30-year policy are generally higher than those for a 20-year policy, which could be due to the longer coverage period.
Overall, it’s important to consider both the coverage amount and term length when choosing a return of premium policy. By comparing the rates for different coverage amounts and term lengths, individuals can determine which policy best fits their needs and budget.
ROP Term Life Cost (Male Smokers; Age 35)
| Age | Gender | Smoker | Coverage | Rate (20-Year) | Rate (30-Year) |
|---|---|---|---|---|---|
| 35 | Men | Yes | $25,000 | $26 | $22 |
| 35 | Men | Yes | $50,000 | $47 | $37 |
| 35 | Men | Yes | $75,000 | $67 | $53 |
| 35 | Men | Yes | $100,000 | $87 | $68 |
| 35 | Men | Yes | $150,000 | $128 | $99 |
| 35 | Men | Yes | $200,000 | $168 | $131 |
| 35 | Men | Yes | $250,000 | $174 | $138 |
| 35 | Men | Yes | $300,000 | $208 | $165 |
| 35 | Men | Yes | $400,000 | $275 | $218 |
| 35 | Men | Yes | $500,000 | $321 | $257 |
| 35 | Men | Yes | $1,000,000 | $612 | $493 |
The table above shows the cost of ROP Term Life insurance for male smokers at the age of 35. The rates are divided into 20-year and 30-year terms, and the coverage amounts range from $25,000 to $1,000,000.
Let’s take a closer look at the rates for two coverage amounts. For a coverage amount of $100,000, the rate for a 20-year term policy is $87, while the rate for a 30-year term policy is $68. This means that the 30-year term policy is more affordable, costing $19 less per year. For a coverage amount of $500,000, the rate for a 20-year term policy is $321, while the rate for a 30-year term policy is $257. Again, the 30-year term policy is more affordable, costing $64 less per year.
The cost per dollar of coverage varies across coverage amounts and term lengths. For example, the cost per dollar of coverage for a 20-year term policy with a coverage amount of $25,000 is $1.04, while the cost per dollar of coverage for a 30-year term policy with a coverage amount of $1,000,000 is $0.49. As the coverage amount increases, the cost per dollar of coverage decreases. Additionally, the cost per dollar of coverage is generally lower for 30-year term policies compared to 20-year term policies.
In summary, the rates for ROP Term Life insurance for male smokers at the age of 35 vary depending on the coverage amount and term length. The 30-year term policies are generally more affordable than the 20-year term policies. The cost per dollar of coverage decreases as the coverage amount increases, and the cost per dollar of coverage is generally lower for 30-year term policies compared to 20-year term policies.
ROP Life Insurance Prices (Female Smokers; Age 35)
| Age | Gender | Smoker | Coverage | Rate (20-Year) | Rate (30-Year) |
|---|---|---|---|---|---|
| 35 | Women | Yes | $25,000 | $23 | $19 |
| 35 | Women | Yes | $50,000 | $39 | $31 |
| 35 | Women | Yes | $75,000 | $56 | $44 |
| 35 | Women | Yes | $100,000 | $72 | $57 |
| 35 | Women | Yes | $150,000 | $105 | $82 |
| 35 | Women | Yes | $200,000 | $138 | $107 |
| 35 | Women | Yes | $250,000 | $138 | $119 |
| 35 | Women | Yes | $300,000 | $165 | $141 |
| 35 | Women | Yes | $400,000 | $217 | $186 |
| 35 | Women | Yes | $500,000 | $247 | $209 |
| 35 | Women | Yes | $1,000,000 | $471 | $392 |
If you are a non-smoking female who is 35 years old, you can get a return of premium term life insurance policy with coverage amounts ranging from $25,000 to $1,000,000. The rates for a 20-year term policy range from $10 for $25,000 coverage to $129 for $1,000,000 coverage. The rates for a 30-year term policy range from $10 for $25,000 coverage to $123 for $1,000,000 coverage.
Let’s take a closer look at two coverage amounts – $100,000 and $500,000. For a 20-year term policy, the rate for $100,000 coverage is $23, while the rate for $500,000 coverage is $70. For a 30-year term policy, the rate for $100,000 coverage is $22, while the rate for $500,000 coverage is $69. Therefore, the difference in rates between a 20-year and a 30-year term policy is negligible.
When it comes to cost per dollar of coverage, we can see that it decreases as the coverage amount increases. For instance, the cost per dollar of coverage for a 20-year term policy is $0.46 for $25,000 coverage, while it is $0.13 for $1,000,000 coverage. Similarly, the cost per dollar of coverage for a 30-year term policy is $0.46 for $25,000 coverage, while it is $0.13 for $1,000,000 coverage.
Overall, the rates for a return of premium term life insurance policy for non-smoking females who are 35 years old are quite affordable. The cost per dollar of coverage decreases as the coverage amount increases, and there is not much difference in rates between a 20-year and a 30-year term policy.
ROP Life Insurance Prices (Female Smokers; Age 35)
| Age | Gender | Smoker | Coverage | Rate (20-Year) | Rate (30-Year) |
|---|---|---|---|---|---|
| 35 | Women | Yes | $25,000 | $23 | $19 |
| 35 | Women | Yes | $50,000 | $39 | $31 |
| 35 | Women | Yes | $75,000 | $56 | $44 |
| 35 | Women | Yes | $100,000 | $72 | $57 |
| 35 | Women | Yes | $150,000 | $105 | $82 |
| 35 | Women | Yes | $200,000 | $138 | $107 |
| 35 | Women | Yes | $250,000 | $138 | $119 |
| 35 | Women | Yes | $300,000 | $165 | $141 |
| 35 | Women | Yes | $400,000 | $217 | $186 |
| 35 | Women | Yes | $500,000 | $247 | $209 |
| 35 | Women | Yes | $1,000,000 | $471 | $392 |
If you’re a 35-year-old female smoker, you may be wondering how much life insurance will cost you. We have provided a table of ROP life insurance prices for female smokers at this age, with coverage ranging from $25,000 to $1,000,000.
Let’s take a closer look at the rates for two coverage amounts: $100,000 and $500,000. For $100,000 of coverage, the 20-year term policy rate is $72, while the 30-year term policy rate is $57. On the other hand, the rate for $500,000 of coverage is $247 for a 20-year term policy and $209 for a 30-year term policy. The difference in rates between the 20-year and 30-year term policies is $15 for $100,000 of coverage and $38 for $500,000 of coverage.
It’s also interesting to note 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 highest for $25,000 of coverage at $0.92 per dollar, and lowest for $1,000,000 of coverage at $0.47 per dollar. Similarly, the cost per dollar of coverage for a 30-year term policy is highest for $25,000 of coverage at $0.76 per dollar, and lowest for $1,000,000 of coverage at $0.39 per dollar.
Overall, it’s important to consider your individual needs and budget when selecting a life insurance policy. While the rates may vary based on coverage amount and term length, having life insurance can provide peace of mind for you and your loved ones.
