Return of Premium
Protection With AMoney-Back Guarantee
Get your premiums back if you outlive your policy. Return of Premium life insurance means you never "lose" your investment.
100% premium return
Guaranteed rates
How It Works
1
Pay Level Premiums
Same payment every month for the entire term
2
Family Is Protected
Full death benefit if something happens to you
3
Get Your Money Back
Outlive the policy? 100% of premiums returned!
Why Choose Return of Premium?
Perfect for people who want life insurance but don't want to "waste" money on premiums.
100% Premium Return
If you outlive your policy, you get back every penny you paid in premiums.
Full Death Benefit
Your family receives the full death benefit if you pass away during the term.
Level Premiums
Your rate stays the same for the entire term. Predictable payments guaranteed.
Best of Both Worlds
Get life insurance protection without "losing" money if you don't use it.
ROP vs. Traditional Term
| Feature | Return of Premium | Traditional Term |
|---|---|---|
| Death Benefit | ✓ | ✓ |
| Level Premiums | ✓ | ✓ |
| Premium Refund | ✓ | ✗ |
| Lower Premium | ✗ | ✓ |
| Forced Savings | ✓ | ✗ |
Ready for Protection With No Regrets?
Get your free quote and see how affordable Return of Premium coverage can be.