Return of Premium Life Insurance Rates For 52-Year-Olds
- Updated: February 28, 2023

Fifty-two is an important age in life for several reasons. Not only does this age signify milestones in terms of career and family, but it also marks a time when individuals may begin to refocus their effort on ensuring their long-term financial security.
It is a time when many contemplate how they want to spend their remaining years, whether that involves travel, furthering their business or career goals, or being able to spend more time with their loved ones. At this age, many people start to understand that life insurance is an essential part of their financial planning.
Having life insurance can give them greater peace of mind by ensuring that the people they are financially responsible for, such as their children, spouses, or parents, are taken care of in the event of an unexpected death. Additionally, life insurance can help cover final expenses and provide funds for future needs, such as college tuition or a retirement fund. Furthermore, by having life insurance, individuals at this age may be able to secure a more affordable premium given their age.
Even if they have some existing health issues that make it more difficult to obtain life insurance coverage, having a policy in place can help ensure that both current and future needs are met. Therefore, life insurance is an essential tool for anyone at the age of 52, and the earlier it is obtained, the better. By having life insurance, individuals can help create greater financial security and peace of mind for themselves and their loved ones.
(Note: See here for 51-year-old ROP rates or the cost of ROP term life insurance for a 53-year-old.)
Table of Contents
Male Return of Premium Rates (Age 52)
Age | Gender | Smoker | Coverage | Rate (20-Year) | Rate (30-Year) |
---|---|---|---|---|---|
52 | Men | No | $25,000 | $36 | $52 |
52 | Men | No | $50,000 | $65 | $97 |
52 | Men | No | $75,000 | $94 | $142 |
52 | Men | No | $100,000 | $124 | $186 |
52 | Men | No | $150,000 | $183 | $276 |
52 | Men | No | $200,000 | $242 | $365 |
52 | Men | No | $250,000 | $239 | $455 |
52 | Men | No | $300,000 | $286 | $544 |
52 | Men | No | $400,000 | $379 | $723 |
52 | Men | No | $500,000 | $412 | NA |
52 | Men | No | $1,000,000 | $793 | NA |
Looking at the male return of premium rates for a 52-year-old, we can see that the rates vary based on coverage amount and term length. Let’s focus on two coverage amounts: $100,000 and $500,000.
For $100,000 coverage, the 20-year term policy rate is $124 while the 30-year term policy rate is $186. For $500,000 coverage, the 20-year term policy rate is $412, but there is no rate listed for the 30-year term policy.
The difference in rates between the 20-year and 30-year term policies for $100,000 coverage is $62, while we cannot determine the difference for $500,000 coverage since there is no rate listed for the 30-year term policy.
When looking at the cost per dollar of coverage, we can see that it decreases as the coverage amount increases. For example, the cost per dollar of coverage for $25,000 coverage is $1.44 for the 20-year term policy and $2.08 for the 30-year term policy. However, for $1,000,000 coverage, the cost per dollar of coverage is $0.79 for the 20-year term policy.
Overall, it’s important to consider your individual needs and budget when selecting coverage amount and term length.
ROP Term Life Cost (Male Smokers; Age 52)
Age | Gender | Smoker | Coverage | Rate (20-Year) | Rate (30-Year) |
---|---|---|---|---|---|
52 | Men | Yes | $25,000 | $101 | NA |
52 | Men | Yes | $50,000 | $195 | NA |
52 | Men | Yes | $75,000 | $290 | NA |
52 | Men | Yes | $100,000 | $385 | NA |
52 | Men | Yes | $150,000 | $574 | NA |
52 | Men | Yes | $200,000 | $764 | NA |
52 | Men | Yes | $250,000 | $783 | NA |
52 | Men | Yes | $300,000 | $939 | NA |
52 | Men | Yes | $400,000 | $1,249 | NA |
52 | Men | Yes | $500,000 | $1,432 | NA |
52 | Men | Yes | $1,000,000 | $2,804 | NA |
For male smokers aged 52, the table above shows the cost of ROP term life insurance policies for various coverage amounts and term lengths. Let’s take a closer look at the data.
Firstly, let’s choose two coverage amounts, say $100,000 and $500,000. For $100,000 coverage, the rate for a 20-year term policy is $385, while the rate for a 30-year term policy is not available (NA). For $500,000 coverage, the rate for a 20-year term policy is $1,432, and the rate for a 30-year term policy is also not available (NA).
Secondly, we can see that the difference in rates between a 20-year and a 30-year term policy is not available for most coverage amounts. However, for the coverage amounts where both rates are available, such as $100,000 and $500,000, the rates for a 20-year term policy are generally lower than those for a 30-year term policy.
Thirdly, we can observe that the cost per dollar of coverage generally decreases as the coverage amount increases. For example, the cost per dollar of coverage for a $25,000 policy is $4.04, while the cost per dollar of coverage for a $1,000,000 policy is $2.80. Additionally, the cost per dollar of coverage generally increases as the term length increases. For example, the cost per dollar of coverage for a $100,000 policy is $3.85 for a 20-year term, while it is not available for a 30-year term.
ROP Life Insurance Prices (Female Smokers; Age 52)
Age | Gender | Smoker | Coverage | Rate (20-Year) | Rate (30-Year) |
---|---|---|---|---|---|
52 | Women | Yes | $25,000 | $80 | NA |
52 | Women | Yes | $50,000 | $153 | NA |
52 | Women | Yes | $75,000 | $227 | NA |
52 | Women | Yes | $100,000 | $301 | NA |
52 | Women | Yes | $150,000 | $448 | NA |
52 | Women | Yes | $200,000 | $596 | NA |
52 | Women | Yes | $250,000 | $640 | NA |
52 | Women | Yes | $300,000 | $767 | NA |
52 | Women | Yes | $400,000 | $1,021 | NA |
52 | Women | Yes | $500,000 | $1,138 | NA |
52 | Women | Yes | $1,000,000 | $2,256 | NA |
If you’re a 52-year-old woman who doesn’t smoke, you may be interested in the return of premium term policies listed above. Let’s take a closer look at the rates for different coverage amounts and term lengths.
For a coverage amount of $100,000, the rate for a 20-year term policy is $99, while the rate for a 30-year term policy is $186. That’s a difference of $87 per year. For a coverage amount of $500,000, the rate for a 20-year term policy is $315, while the rate for a 30-year term policy is not available.
As for the cost per dollar of coverage, it varies across coverage amounts and term lengths. For example, for a 20-year term policy, the cost per dollar of coverage ranges from $0.29 for a $400,000 policy to $2.36 for a $25,000 policy. For a 30-year term policy, the cost per dollar of coverage ranges from $0.36 for a $400,000 policy to $5.89 for a $25,000 policy.
Overall, it’s important to carefully consider your coverage needs and budget when selecting a return of premium term policy.
ROP Life Insurance Prices (Female Smokers; Age 52)
Age | Gender | Smoker | Coverage | Rate (20-Year) | Rate (30-Year) |
---|---|---|---|---|---|
52 | Women | Yes | $25,000 | $80 | NA |
52 | Women | Yes | $50,000 | $153 | NA |
52 | Women | Yes | $75,000 | $227 | NA |
52 | Women | Yes | $100,000 | $301 | NA |
52 | Women | Yes | $150,000 | $448 | NA |
52 | Women | Yes | $200,000 | $596 | NA |
52 | Women | Yes | $250,000 | $640 | NA |
52 | Women | Yes | $300,000 | $767 | NA |
52 | Women | Yes | $400,000 | $1,021 | NA |
52 | Women | Yes | $500,000 | $1,138 | NA |
52 | Women | Yes | $1,000,000 | $2,256 | NA |
If you are a 52-year-old female smoker looking for life insurance coverage, ROP Life Insurance has some options for you. Let’s take a look at their rates for different coverage amounts and term lengths.
For a $50,000 coverage amount, the 20-year term policy rate is $153, while the 30-year term policy rate is not available. For a $500,000 coverage amount, the 20-year term policy rate is $1,138, and the 30-year term policy rate is also not available. As you can see, the rates for the 30-year term policy are not provided for all coverage amounts.
Looking at the cost per dollar of coverage, we can see that it varies based on the coverage amount and term length. For example, for a $25,000 coverage amount, the 20-year term policy rate is $80, which means the cost per dollar of coverage is $0.0032. For a $1,000,000 coverage amount, the 20-year term policy rate is $2,256, which means the cost per dollar of coverage is $0.0023. As you can see, the cost per dollar of coverage decreases as the coverage amount increases.
In terms of the difference in rates between the 20-year and 30-year term policies, it’s important to note that the rates for the 30-year term policy are not available for all coverage amounts. However, for the coverage amounts where both rates are provided, we can see that the 30-year term policy rate is typically higher than the 20-year term policy rate. This is because the longer the term length, the higher the risk that the insurer will have to pay out a death benefit.
Overall, if you are a 52-year-old female smoker looking for life insurance coverage, it’s important to carefully consider the coverage amount and term length that best fits your needs and budget. ROP Life Insurance has several options available, but it’s important to compare their rates to those of other insurers to ensure you are getting the best deal.