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This calculator helps users compare the costs of standard term life insurance and ROP term life insurance. The calculator provides the rate of return on a selected ROP term life policy and the rate of return that would be required from outside investments to match or exceed the return provided by the ROP term life policy. Users can then decide if ROP term life is the best choice based on these results.

If you would like to compare two policies you know the information for, use our general return of premium calculator

Please provide the information requested below and click 'Run Calculation' to proceed.

Return of Premium Life Insurance Calculator (quoting version)

State of Residence	AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VI VT WA WI WV WY
Gender	Male Female
Date of Birth	JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 1991 1992
Height	4 5 6 feet 0 1 2 3 4 5 6 7 8 9 10 11 inches
Weight
Tobacco or Nicotine Use	Never None in last 5 years None in last 4 years None in last 3 years None in last 2 years None in last 1 year Current User
Rating Class (Need Help?)	Preferred Plus Preferred Standard Plus Standard
Coverage Amount (Need Help?)	$50,000 $75,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $750,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,250,000 $4,500,000 $4,750,000 $5,000,000 $6,000,000 $7,000,000 $8,000,000 $9,000,000 $10,000,000 $11,000,000 $12,000,000 $13,000,000 $14,000,000 $15,000,000 $20,000,000 $25,000,000
Length of Coverage (Need Help?)	15 20 30 years
Tax Rate (state plus federal)	%