Return of premium life insurance

What Is Return of Premium Life Insurance? State Farm

You buy term life insurance to protect the ones you love from financial hardship if you should die. With most term policies you pay your scheduled premium, and when the term is done, you typically stop making payments and your coverage ends. What if that policy could refund all the premiums you paid if you outlive the term. That's the premise behind Return of Premium life insurance. Here's what to know about this coverage. What Is Return of Premium Life Insurance? Return of Premium life insurance is a term policy with a level premium period of either 20 or 30 years. At the end of the term, if the death benefit has not been paid and you've made your scheduled premium payments, you'll be...

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