Return of Premium (Term)

This policy is written as increasing term insurance and provides for an additional death benefit that equals a full refund of premiums if the insured is still living at the end of the term. These policies are very low-risk with respect to paying benefits and therefore charge a much higher premium than level term insurance.

Happy days are here again

Return of Premium

At the end of your Term (5 years, 10 years, 20 years, 30 years) all of your premiums paid are returned.
Refunded premiums that are not taxable.
You could say it is a forced savings vehicle, where you life is used as collateral.
Why if you don’t go home to the Lord you get your money back; if you do, your family is protected.
Lower cost than a Whole Life Insurance Policy

Your Coverage

With term life, you can choose exactly how long you will be covered. Some of our clients find it helpful to match their coverage length with various milestones, like paying off a mortgage or seeing their children through college. Whatever your needs are, you can build a custom term policy and convert to a permanent policy later.

Your Budget

You can select a product that best suits your wallet and goals. For example, you can lock in premiums that are guaranteed to stay the same for a selected period. Or you can start with smaller premiums that increase every year. That could be a good choice if you plan to convert to permanent insurance relatively quickly. Our flexible options allow you to construct a strategy to fit your family’s needs and your budget.

You can customize your term life insurance policy with the following riders:

Living Benefits (No Cost)

Accelerated Benefits Rider for Chronic Illness.
Accelerated Benefits Rider for Critical Illness
Accelerated Benefits Rider for Critical Injury.
Accelerated Benefits Rider for Terminal Illness

Additional Riders (may cost)

Disability Waiver of Premium

Protect your loved ones - now and into the future.

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5 Year Return of Premium Term
10 Year Return of Premium Term
20 Year Return of Premium Term
30 Year Return of Premium Term

LIFE INSURANCE CHOICES

Do you have any other family members who you would like to insure?