Return of Premium (ROP) Calculator

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 'Calculate' to proceed.

General Information

State of Residence
Gender	Male Female
Date of Birth
Height	feet inches
Weight
Tobacco or Nicotine Use
Rating Class (Need Help?)
Coverage Amount (Need Help?)
Length of Coverage (What's this?)	years
Tax Rate (state plus federal)	%