Return of Premium Life Insurance Rates For 41-Year-Olds
- Updated: February 26, 2023

Forty-one is an important age in life for many reasons. At 41, individuals have typically achieved a higher level of career and financial stability, as well as many other personal milestones.
It is also a time for reflection, allowing individuals to evaluate their health, relationships and their future. At 41, people may feel the need to start planning for the future and taking responsibility for their health and wellbeing.
This can involve making decisions such as investing in life insurance to ensure the financial security of oneself and their family. Having life insurance at this age may be especially important for those who have dependents. Seeing as 41 is a common age range to start a family, people may want to consider securing their families’ future in the event of an untimely death.
Life insurance can provide a safety net to make sure that children’s needs are still met and that loved ones will be financially secure. In addition, people in their early 40s may start to experience health issues that make it more difficult to get insurance coverage. Purchasing life insurance at this stage can help to protect their financial future, regardless of any unforeseen health issues that may arise.
Overall, 41 is an important age in life due to the realization of personal and professional milestones, as well as the need for forward-planning and taking responsibility for oneself. Life insurance is an important way to protect one’s family and financial future, and can be a wise decision to make at this stage in life.
(Note: See here for 40-year-old ROP rates or the cost of ROP term life insurance for a 42-year-old.)
Table of Contents
Male Return of Premium Rates (Age 41)
Age | Gender | Smoker | Coverage | Rate (20-Year) | Rate (30-Year) |
---|---|---|---|---|---|
41 | Men | No | $25,000 | $17 | $15 |
41 | Men | No | $50,000 | $27 | $24 |
41 | Men | No | $75,000 | $38 | $32 |
41 | Men | No | $100,000 | $48 | $41 |
41 | Men | No | $150,000 | $69 | $59 |
41 | Men | No | $200,000 | $90 | $76 |
41 | Men | No | $250,000 | $86 | $81 |
41 | Men | No | $300,000 | $102 | $96 |
41 | Men | No | $400,000 | $133 | $127 |
41 | Men | No | $500,000 | $157 | $147 |
41 | Men | No | $1,000,000 | $291 | $279 |
Looking at the table above, we can see the rates for male non-smokers at the age of 41 for various coverage amounts and term lengths. Let’s take a closer look at the rates for two coverage amounts: $100,000 and $500,000.
For a $100,000 policy, the 20-year term rate is $48 while the 30-year term rate is $41. For a $500,000 policy, the 20-year term rate is $157 while the 30-year term rate is $147. Therefore, we can see that the rate for a 30-year term policy is generally lower than that for a 20-year term policy for both coverage amounts.
When we consider the cost per dollar of coverage, we can see that the rate per dollar of coverage decreases as the coverage amount increases. For example, for a 20-year term policy, the rate per dollar of coverage for a $25,000 policy is $0.68 while for a $1,000,000 policy, it is $0.29. Similarly, for a 30-year term policy, the rate per dollar of coverage for a $25,000 policy is $0.60 while for a $1,000,000 policy, it is $0.28.
Overall, we can see that the cost per dollar of coverage decreases as the coverage amount increases and that the 30-year term policy generally has a lower rate than the 20-year term policy.
ROP Term Life Cost (Male Smokers; Age 41)
Age | Gender | Smoker | Coverage | Rate (20-Year) | Rate (30-Year) |
---|---|---|---|---|---|
41 | Men | Yes | $25,000 | $40 | $32 |
41 | Men | Yes | $50,000 | $74 | $58 |
41 | Men | Yes | $75,000 | $108 | $84 |
41 | Men | Yes | $100,000 | $142 | $110 |
41 | Men | Yes | $150,000 | $210 | $162 |
41 | Men | Yes | $200,000 | $277 | $214 |
41 | Men | Yes | $250,000 | $296 | $226 |
41 | Men | Yes | $300,000 | $354 | $270 |
41 | Men | Yes | $400,000 | $470 | $358 |
41 | Men | Yes | $500,000 | $518 | $420 |
41 | Men | Yes | $1,000,000 | $1,025 | $808 |
If you are a male smoker at the age of 41, the cost of your term life insurance policy will vary depending on the coverage amount and term length you choose. Let’s take a look at the rates for two coverage amounts.
For a $50,000 coverage amount, the rate for a 20-year term policy is $74, while the rate for a 30-year term policy is $58. This means that the 30-year policy is cheaper by $16 per year. For a $250,000 coverage amount, the rate for a 20-year term policy is $296, while the rate for a 30-year term policy is $226. Here, the 30-year policy is cheaper by $70 per year.
It’s 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 $25,000 policy is $0.0016, while for a $1,000,000 policy, it’s $0.0008. Similarly, the cost per dollar of coverage decreases as the term length increases. For instance, the cost per dollar of coverage for a 20-year $50,000 policy is $0.0015, while for a 30-year $50,000 policy, it’s $0.0012.
In conclusion, the rates for term life insurance policies for male smokers at the age of 41 vary based on coverage amount and term length. The cost per dollar of coverage decreases with an increase in coverage amount and term length. It’s worth considering a 30-year policy if you’re looking for a cheaper option.
ROP Life Insurance Prices (Female Smokers; Age 41)
Age | Gender | Smoker | Coverage | Rate (20-Year) | Rate (30-Year) |
---|---|---|---|---|---|
41 | Women | Yes | $25,000 | $37 | $28 |
41 | Women | Yes | $50,000 | $68 | $50 |
41 | Women | Yes | $75,000 | $99 | $72 |
41 | Women | Yes | $100,000 | $130 | $94 |
41 | Women | Yes | $150,000 | $192 | $137 |
41 | Women | Yes | $200,000 | $254 | $181 |
41 | Women | Yes | $250,000 | $267 | $193 |
41 | Women | Yes | $300,000 | $319 | $231 |
41 | Women | Yes | $400,000 | $423 | $306 |
41 | Women | Yes | $500,000 | $443 | $352 |
41 | Women | Yes | $1,000,000 | $867 | $681 |
If you’re a 41-year-old woman looking for a return of premium term life insurance policy, you can expect to pay different rates depending on the coverage amount and term length you choose. Let’s take a closer look at the rates for two coverage amounts.
For a $100,000 policy, you can expect to pay $38 per month for a 20-year term policy and $32 per month for a 30-year term policy. That’s a difference of $6 per month, or $720 over the life of the policy. If you opt for a $500,000 policy, you’ll pay $119 per month for a 20-year term policy and $113 per month for a 30-year term policy. The difference here is $6 per month as well, but over the life of the policy, it amounts to $1,800.
It’s worth noting that 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 is $0.56 for a $25,000 policy, but only $0.23 for a $1,000,000 policy. The same trend holds true for 30-year term policies.
Overall, it’s important to carefully consider your coverage needs and budget when choosing a return of premium term life insurance policy. While a longer term length may offer more peace of mind, it also comes with a higher cost. And, as with any insurance policy, it’s important to shop around and compare rates from multiple providers to ensure you’re getting the best deal.
ROP Life Insurance Prices (Female Smokers; Age 41)
Age | Gender | Smoker | Coverage | Rate (20-Year) | Rate (30-Year) |
---|---|---|---|---|---|
41 | Women | Yes | $25,000 | $37 | $28 |
41 | Women | Yes | $50,000 | $68 | $50 |
41 | Women | Yes | $75,000 | $99 | $72 |
41 | Women | Yes | $100,000 | $130 | $94 |
41 | Women | Yes | $150,000 | $192 | $137 |
41 | Women | Yes | $200,000 | $254 | $181 |
41 | Women | Yes | $250,000 | $267 | $193 |
41 | Women | Yes | $300,000 | $319 | $231 |
41 | Women | Yes | $400,000 | $423 | $306 |
41 | Women | Yes | $500,000 | $443 | $352 |
41 | Women | Yes | $1,000,000 | $867 | $681 |
If you’re a 41-year-old female smoker looking for life insurance coverage, ROP Life Insurance has some options for you. The rates vary depending on the coverage amount and term length you choose. Let’s take a closer look at the prices for different coverage amounts and term lengths.
For a coverage amount of $50,000, the 20-year term policy rate is $68, while the 30-year term policy rate is $50. This means that the 30-year term policy is cheaper than the 20-year term policy for this coverage amount. For a coverage amount of $500,000, the 20-year term policy rate is $443, while the 30-year term policy rate is $352. Again, the 30-year term policy is cheaper than the 20-year term policy for this coverage amount.
The cost per dollar of coverage varies across coverage amounts and term lengths. For example, for a coverage amount of $25,000, the 20-year term policy rate is $37, which means the cost per dollar of coverage is $0.00148. However, for a coverage amount of $1,000,000, the 20-year term policy rate is $867, which means the cost per dollar of coverage is $0.00087. As you can see, the cost per dollar of coverage decreases as the coverage amount increases.
In summary, if you’re a 41-year-old female smoker looking for life insurance coverage, ROP Life Insurance has some options for you. The rates vary depending on the coverage amount and term length you choose. The cost per dollar of coverage varies across coverage amounts and term lengths, and generally decreases as the coverage amount increases. It’s important to carefully consider your needs and budget when choosing a life insurance policy.