Return of Premium Life Insurance Rates For 43-Year-Olds
- Updated: February 26, 2023
43 is an important age in life for several reasons. As individuals reach this milestone, they may have achieved significant personal and professional goals, such as settling into a career, building a family, and becoming financially stable.
It is also a time when mortality may become more real, leading to increased thoughts of the future and a need to plan. This is why life insurance is so important at this age.
Life insurance is a key part of estate planning, helping to provide for loved ones and pay for final expenses in the event of death. It can also act as a safety net for those with dependents, helping to ensure their needs are still met. Additionally, it can be more difficult to get life insurance coverage as individuals get older and experience health issues, so securing coverage at the age of 43 can be beneficial.
All of these reasons demonstrate why life insurance is so important at the age of 43.
(Note: See here for 42-year-old ROP rates or the cost of ROP term life insurance for a 44-year-old.)
Table of Contents
Male Return of Premium Rates (Age 43)
| Age | Gender | Smoker | Coverage | Rate (20-Year) | Rate (30-Year) |
|---|---|---|---|---|---|
| 43 | Men | No | $25,000 | $19 | $17 |
| 43 | Men | No | $50,000 | $32 | $27 |
| 43 | Men | No | $75,000 | $45 | $38 |
| 43 | Men | No | $100,000 | $58 | $48 |
| 43 | Men | No | $150,000 | $85 | $69 |
| 43 | Men | No | $200,000 | $111 | $90 |
| 43 | Men | No | $250,000 | $102 | $97 |
| 43 | Men | No | $300,000 | $121 | $115 |
| 43 | Men | No | $400,000 | $159 | $152 |
| 43 | Men | No | $500,000 | $187 | $174 |
| 43 | Men | No | $1,000,000 | $348 | $333 |
Looking at the male return of premium rates for a 43-year-old, we can see that the rates vary based on coverage amount and term length. Let’s take a closer look at two coverage amounts and compare the rates for a 20-year and a 30-year term policy.
For a coverage amount of $100,000, the rate for a 20-year term policy is $58, while the rate for a 30-year term policy is $48. This means that the 30-year term policy is cheaper in terms of monthly premiums. For a coverage amount of $500,000, the rate for a 20-year term policy is $187, while the rate for a 30-year term policy is $174. Again, the 30-year term policy is cheaper in terms of monthly premiums.
When we look at the 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 for a 20-year term policy is $0.00076, while the cost per dollar of coverage for a 30-year term policy is $0.00068. However, for a coverage amount of $1,000,000, the cost per dollar of coverage for a 20-year term policy is $0.000348, while the cost per dollar of coverage for a 30-year term policy is $0.000333. As we can see, the cost per dollar of coverage decreases as the coverage amount increases.
In summary, the male return of premium rates for a 43-year-old vary based on coverage amount and term length. The 30-year term policy is generally cheaper in terms of monthly premiums. The cost per dollar of coverage varies across coverage amounts and term lengths, with the cost per dollar of coverage decreasing as the coverage amount increases.
ROP Term Life Cost (Male Smokers; Age 43)
| Age | Gender | Smoker | Coverage | Rate (20-Year) | Rate (30-Year) |
|---|---|---|---|---|---|
| 43 | Men | Yes | $25,000 | $49 | $37 |
| 43 | Men | Yes | $50,000 | $92 | $69 |
| 43 | Men | Yes | $75,000 | $135 | $100 |
| 43 | Men | Yes | $100,000 | $178 | $132 |
| 43 | Men | Yes | $150,000 | $264 | $194 |
| 43 | Men | Yes | $200,000 | $350 | $257 |
| 43 | Men | Yes | $250,000 | $371 | $274 |
| 43 | Men | Yes | $300,000 | $444 | $328 |
| 43 | Men | Yes | $400,000 | $590 | $435 |
| 43 | Men | Yes | $500,000 | $632 | $506 |
| 43 | Men | Yes | $1,000,000 | $1,249 | $972 |
For male smokers at age 43, the table above shows the rates for ROP term life insurance policies with coverage amounts ranging from $25,000 to $1,000,000. The rates are provided for both 20-year and 30-year term policies.
Let’s take a closer look at the rates for two coverage amounts: $100,000 and $500,000. For a $100,000 policy, the rate for a 20-year term is $178, while the rate for a 30-year term is $132. For a $500,000 policy, the rate for a 20-year term is $632, while the rate for a 30-year term is $506. Thus, we can see that the rates for a 30-year term policy are generally lower than those for a 20-year term policy.
The cost per dollar of coverage varies across coverage amounts and term lengths. For example, for a $25,000 policy, the rate for a 20-year term is $49, which means the cost per dollar of coverage is $0.002. For a $1,000,000 policy, the rate for a 20-year term is $1,249, which means the cost per dollar of coverage is $0.001. Thus, we can see that the cost per dollar of coverage decreases as the coverage amount increases. Additionally, the cost per dollar of coverage is generally lower for a 30-year term policy than for a 20-year term policy.
ROP Life Insurance Prices (Female Smokers; Age 43)
| Age | Gender | Smoker | Coverage | Rate (20-Year) | Rate (30-Year) |
|---|---|---|---|---|---|
| 43 | Women | Yes | $25,000 | $45 | $33 |
| 43 | Women | Yes | $50,000 | $84 | $60 |
| 43 | Women | Yes | $75,000 | $124 | $87 |
| 43 | Women | Yes | $100,000 | $163 | $113 |
| 43 | Women | Yes | $150,000 | $241 | $167 |
| 43 | Women | Yes | $200,000 | $319 | $221 |
| 43 | Women | Yes | $250,000 | $318 | $244 |
| 43 | Women | Yes | $300,000 | $381 | $292 |
| 43 | Women | Yes | $400,000 | $505 | $388 |
| 43 | Women | Yes | $500,000 | $559 | $423 |
| 43 | Women | Yes | $1,000,000 | $1,072 | $828 |
If you are a 43-year-old woman who is a non-smoker, you may be interested in the return of premium term policies available to you. Let’s take a look at the rates for different coverage amounts and term lengths.
For a $50,000 coverage amount, the rate for a 20-year term policy is $26, while the rate for a 30-year term policy is $22. This means that the 30-year term policy is actually cheaper by $4 per year. For a $500,000 coverage amount, the rate for a 20-year term policy is $141, while the rate for a 30-year term policy is $133. Again, the 30-year term policy is cheaper, this time by $8 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 $25,000 20-year term policy is $0.00064, while the cost per dollar of coverage for a $1,000,000 30-year term policy is $0.00025. As the coverage amount increases, the cost per dollar of coverage decreases. Additionally, as the term length increases, the cost per dollar of coverage also decreases.
Overall, it’s important to carefully consider your coverage needs and budget when selecting a return of premium term policy. With the information provided above, you can compare rates and costs per dollar of coverage to make an informed decision.
ROP Life Insurance Prices (Female Smokers; Age 43)
| Age | Gender | Smoker | Coverage | Rate (20-Year) | Rate (30-Year) |
|---|---|---|---|---|---|
| 43 | Women | Yes | $25,000 | $45 | $33 |
| 43 | Women | Yes | $50,000 | $84 | $60 |
| 43 | Women | Yes | $75,000 | $124 | $87 |
| 43 | Women | Yes | $100,000 | $163 | $113 |
| 43 | Women | Yes | $150,000 | $241 | $167 |
| 43 | Women | Yes | $200,000 | $319 | $221 |
| 43 | Women | Yes | $250,000 | $318 | $244 |
| 43 | Women | Yes | $300,000 | $381 | $292 |
| 43 | Women | Yes | $400,000 | $505 | $388 |
| 43 | Women | Yes | $500,000 | $559 | $423 |
| 43 | Women | Yes | $1,000,000 | $1,072 | $828 |
If you’re a female smoker at age 43, you might be interested in ROP life insurance prices. The table above shows the rates for coverage amounts ranging from $25,000 to $1,000,000, with both 20-year and 30-year term policies available.
Let’s say you’re interested in a $50,000 policy. The rate for a 20-year term policy is $84, while the rate for a 30-year term policy is $60. That’s a difference of $24 per year, or $720 over the life of the policy.
If you’re looking for a higher coverage amount, such as $500,000, the rate for a 20-year term policy is $559, while the rate for a 30-year term policy is $423. That’s a difference of $136 per year, or $4,080 over the life of the policy.
When it comes to cost per dollar of coverage, the rates are generally lower for higher coverage amounts. For example, the rate for a $25,000 policy is $45 for a 20-year term and $33 for a 30-year term, while the rate for a $1,000,000 policy is $1,072 for a 20-year term and $828 for a 30-year term. However, the cost per dollar of coverage also varies based on the term length, with the rates generally being lower for 30-year term policies.
In summary, the rates for ROP life insurance for female smokers at age 43 vary based on the coverage amount and term length. The rates are generally lower for higher coverage amounts and 30-year term policies, and the cost per dollar of coverage also varies based on these factors.
