Get full term life protection and a 100% refund of every premium if you outlive the policy. Tax-free. No strings attached.
Return of Premium (ROP) term insurance works just like standard term life — you're covered for a set period and your family receives a death benefit if you pass away. The key difference: if you outlive the policy, every single premium dollar you paid comes back to you, completely tax-free.
Think of it as term insurance with a built-in savings guarantee. You either use the death benefit, or you get your money back. It's the ultimate win-win structure in life insurance.
ROP policies typically cost 2–3x more than standard term, but for clients who value having their money returned, it's one of the most popular products we offer.
*Sample rate for healthy 35-yr-old non-smoker. Your rate may vary.
Choose a 20 or 30-year ROP policy. Your family is protected with a full death benefit from day one.
Your monthly payment never changes for the entire term. Budget with confidence. No surprises, ever.
Outlive the policy? Every dollar you paid is returned to you — 100%, completely tax-free. No forms, no hassle.