Jan
29

Return of Premium Term Life Insurance

Posted In: Insurance by Prince Achilles

Term life has many advantages. It is usually cheaper because you are only paying for insurance, and not any savings aspect. It is also cheaper because it is temporary. In other words, the coverage will end after the term of the policy. One disadvantage in some people’s minds is the fact that the coverage ends, leaving an insured person with nothing to show for their policy.

But return of premium term life insurance can help satisfy some of these people. With this rider, the insured person can get all of their premiums back if they survive the policy. So if the person dies, the beneficiaries get to collect the death benefit. But if the person lives, they get their money back.

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3 Comments

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