Return of Premium Term Life Insurance

Return of Premium (ROP)

Return of Premium (ROP) term life insurance is a revolutionary product that combines the advantages of traditional term life insurance such as affordable, guaranteed level-premium periods (10, 20 or 30 years), with a return of premium feature. At the end of the level-premium period, 100% of the premiums paid will be returned to you!

How is this possible? The insurance companies that offer this product charge slightly more for it than for non-ROP term insurance. During the level-premium period, the insurance company is able to invest portions of the premium for capital growth. As a result they are able to return your premiums to you at the end of the level-premium period.

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