Return of Premium Life Insurance Rates For 46-Year-Olds
- Updated: February 20, 2023

At age 46, many individuals find themselves at a unique juncture in life. After having spent much of their 20s and 30s carving out a career and raising a family, they now have the chance to take the time to refocus their goals and plan for their future.
It is also a time when they may begin to think about their own mortality and the importance of life insurance. At 46, people may have older children who are now ready to move out and live their own lives.
As a result, individuals may need life insurance to ensure that the financial future of their children is secured in the event of their passing. Additionally, life insurance can be used to cover funeral and burial expenses, estate taxes, and any other financial needs of their loved ones in the wake of their passing. Moreover, as people age, their chances of developing a chronic illness or disability increases.
With this in mind, life insurance can prove to be even more critical. By investing in a life insurance policy at age 46, individuals can make sure they are still able to obtain coverage in the event that their health status becomes an issue. All in all, age 46 is an important age in life due to the plethora of decisions one must make.
A life insurance policy can provide an essential safety net and can give individuals the peace of mind that their loved ones will be taken care of in the event of their passing.
(Note: See here for 45-year-old ROP rates or the cost of ROP term life insurance for a 47-year-old.)
Table of Contents
Male Return of Premium Rates (Age 46)
Age | Gender | Smoker | Coverage | Rate (20-Year) | Rate (30-Year) |
---|---|---|---|---|---|
46 | Men | No | $25,000 | $24 | $20 |
46 | Men | No | $50,000 | $42 | $34 |
46 | Men | No | $75,000 | $60 | $48 |
46 | Men | No | $100,000 | $77 | $62 |
46 | Men | No | $150,000 | $113 | $90 |
46 | Men | No | $200,000 | $149 | $118 |
46 | Men | No | $250,000 | $136 | $127 |
46 | Men | No | $300,000 | $162 | $151 |
46 | Men | No | $400,000 | $214 | $200 |
46 | Men | No | $500,000 | $245 | $228 |
46 | Men | No | $1,000,000 | $458 | $440 |
If you are a 46-year-old non-smoking male looking for a return of premium life insurance policy, you may be interested in the rates provided in the table above. The table lists the rates for coverage amounts ranging from $25,000 to $1,000,000 for both 20-year and 30-year term policies.
Let’s take a look at two coverage amounts and their corresponding rates. For a $50,000 coverage amount, the rate for a 20-year term policy is $42, while the rate for a 30-year term policy is $34. This means that the 30-year term policy is cheaper by $8 per month. For a $500,000 coverage amount, the rate for a 20-year term policy is $245, while the rate for a 30-year term policy is $228. Here, the 30-year term policy is cheaper by $17 per month.
When it comes to the cost per dollar of coverage, we can see that it 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 $0.96, while for a $1,000,000 policy, it is $0.46. This means that the cost per dollar of coverage decreases as the coverage amount increases. Similarly, we can see that the cost per dollar of coverage decreases as the term length increases. For example, for a $500,000 policy, the cost per dollar of coverage for a 20-year term policy is $0.49, while for a 30-year term policy, it is $0.46.
In summary, the rates for return of premium life insurance policies vary based on coverage amount and term length. The cost per dollar of coverage decreases as the coverage amount and term length increase. It is important to carefully consider your coverage needs and budget when selecting a policy.
ROP Term Life Cost (Male Smokers; Age 46)
Age | Gender | Smoker | Coverage | Rate (20-Year) | Rate (30-Year) |
---|---|---|---|---|---|
46 | Men | Yes | $25,000 | $64 | $45 |
46 | Men | Yes | $50,000 | $121 | $84 |
46 | Men | Yes | $75,000 | $178 | $123 |
46 | Men | Yes | $100,000 | $236 | $161 |
46 | Men | Yes | $150,000 | $351 | $239 |
46 | Men | Yes | $200,000 | $465 | $317 |
46 | Men | Yes | $250,000 | $486 | $342 |
46 | Men | Yes | $300,000 | $582 | $409 |
46 | Men | Yes | $400,000 | $774 | $543 |
46 | Men | Yes | $500,000 | $826 | $622 |
46 | Men | Yes | $1,000,000 | $1,633 | $1,201 |
For male smokers aged 46, the table above shows the rates for ROP Term Life insurance policies with different coverage amounts and term lengths. Let’s take a 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 $236, while the rate for a 30-year term is $161. For a $500,000 policy, the rate for a 20-year term is $826, while the rate for a 30-year term is $622. The difference in rates between a 20-year and a 30-year term policy is significant, with the 30-year term policy being cheaper in both cases.
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 a $25,000 policy is $2.56, while for a $1,000,000 policy, it is $1.63. Similarly, for a 30-year term policy, the cost per dollar of coverage for a $25,000 policy is $1.80, while for a $1,000,000 policy, it is $1.20.
In summary, the rates for ROP Term Life insurance policies for male smokers aged 46 vary based on coverage amounts and term lengths. The rates are cheaper for a 30-year term policy compared to a 20-year term policy. The cost per dollar of coverage decreases as the coverage amount increases.
ROP Life Insurance Prices (Female Smokers; Age 46)
Age | Gender | Smoker | Coverage | Rate (20-Year) | Rate (30-Year) |
---|---|---|---|---|---|
46 | Women | Yes | $25,000 | $56 | $39 |
46 | Women | Yes | $50,000 | $105 | $73 |
46 | Women | Yes | $75,000 | $155 | $106 |
46 | Women | Yes | $100,000 | $205 | $139 |
46 | Women | Yes | $150,000 | $304 | $205 |
46 | Women | Yes | $200,000 | $404 | $272 |
46 | Women | Yes | $250,000 | $402 | $305 |
46 | Women | Yes | $300,000 | $481 | $364 |
46 | Women | Yes | $400,000 | $639 | $484 |
46 | Women | Yes | $500,000 | $729 | $521 |
46 | Women | Yes | $1,000,000 | $1,399 | $1,022 |
If you’re a 46-year-old woman who doesn’t smoke, and you’re looking for a return of premium term life insurance policy, you have a lot of options. For example, if you want coverage of $50,000, you’ll pay $32 a month for a 20-year policy, or $27 a month for a 30-year policy. If you want coverage of $500,000, you’ll pay $186 a month for a 20-year policy, or $173 a month for a 30-year policy.
As you can see, the rates for a 20-year policy are generally higher than the rates for a 30-year policy. This is because the insurance company is taking on more risk by offering coverage for a longer period of time. However, the difference in rates between the two term lengths is not always significant.
When it comes to cost per dollar of coverage, the rates generally decrease as the coverage amount increases. For example, if you compare the rates for a $50,000 policy to the rates for a $1,000,000 policy, you’ll see that the cost per dollar of coverage is much lower for the larger policy. This is because the insurance company is spreading its risk across a larger pool of money.
Overall, if you’re a 46-year-old woman who doesn’t smoke and you’re looking for a return of premium term life insurance policy, you have a lot of options to choose from. The rates vary based on coverage amount and term length, so it’s important to shop around and compare quotes from different insurance companies to find the best policy for your needs.
ROP Life Insurance Prices (Female Smokers; Age 46)
Age | Gender | Smoker | Coverage | Rate (20-Year) | Rate (30-Year) |
---|---|---|---|---|---|
46 | Women | Yes | $25,000 | $56 | $39 |
46 | Women | Yes | $50,000 | $105 | $73 |
46 | Women | Yes | $75,000 | $155 | $106 |
46 | Women | Yes | $100,000 | $205 | $139 |
46 | Women | Yes | $150,000 | $304 | $205 |
46 | Women | Yes | $200,000 | $404 | $272 |
46 | Women | Yes | $250,000 | $402 | $305 |
46 | Women | Yes | $300,000 | $481 | $364 |
46 | Women | Yes | $400,000 | $639 | $484 |
46 | Women | Yes | $500,000 | $729 | $521 |
46 | Women | Yes | $1,000,000 | $1,399 | $1,022 |
For female smokers at age 46, the table above provides rates for ROP life insurance policies with coverage ranging 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 $50,000, the 20-year term policy rate is $105, while the 30-year term policy rate is $73. This means that the 30-year term policy is cheaper by $32 per year than the 20-year term policy.
For a coverage amount of $500,000, the 20-year term policy rate is $729, while the 30-year term policy rate is $521. This means that the 30-year term policy is cheaper by $208 per year than the 20-year term policy.
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 coverage is $0.00224, while for $1,000,000 coverage, it is $0.00140. Similarly, for a 30-year term policy, the cost per dollar of coverage for $25,000 coverage is $0.00156, while for $1,000,000 coverage, it is $0.00102.
Overall, the rates for ROP life insurance policies for female smokers at age 46 vary based on coverage amount and term length. It is important to compare rates for different coverage amounts and term lengths to find the best policy for individual needs.