Return of premium term life insurance

What is Return of Premium Life Insurance? - Montana Life Group

What is Return of Premium Life Insurance? You’ve just had a baby, were recently married, or purchased a home. You make the responsible decision to buy life insurance. But what type? If you’re buying life insurance for one of the above reasons, we recommend term life insurance instead of whole life insurance. Once you’ve settled on an appropriate amount of life insurance coverage – in both amount and length of time – you’ve got one more important inquiry: should you consider return of premium (ROP) life insurance rather than straight term life insurance? What is “Return of Premium” Life Insurance? A return of premium (or ROP) life insurance...

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How to choose between a term plan and a return of premium term plan, Value Research

If you want to insure your life, there is no better product than a term insurance policy. A term plan only charges you for the cost of insurance, so when the term of the policy is over, you don't get anything back. For those who buy insurance with savings or investment returns in mind, if the policyholder outlives the policy term, insurers offer a variant of the term plan that returns the premiums paid at the end of the policy term. So what should you go for? We see the pros and cons. A term policy charges you for insuring your life. This means you only pay for the cost of insurance and nothing else. So if you survive the policy term, you don't get anything back. On death during the...

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return of premium term life insurance, Life Insurance Plans Online

How would I get life insurance coverage that refunds my premiums if I don’t die? You pay extra for a return-of-premium term life insurance policy. Regular term life insurance lasts for a specific number of years, and if you die, your beneficiary receives the death benefit. If you outlive the “term” of your term life policy, there is no money paid out or returned to you. A return of premium term insurance policy charges more in premiums, but you get back all of your premiums if you outlive the length of time your term life insurance policy lasts. What are return premiums for a life insurance policy, and is it possible to get my money back when my life insurance expires? Yes...

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What is Return of Premium Term Insurance? - Is it worth to buy it?

Is it Worth buying “Return of Premium Term Insurance” instead of Simple Term Insurance? POSTED BY Jagoinvestor ON April 3, 2009 COMMENTS (255) Term Insurance is the best form of Insurance, but why not take “Return of Premium Term Insurance” Policy, which is same as Term Insurance, but with return of all your premiums back, in case you do not die, Which is better is a common question now? Let us do simple math’s and analysis our self. If you know little bit of math’s, you can be far better than many by analyzing things your self. So how do we find out which is better? “Simple Term Insurance ” OR “Return of Premium Term Insurance...

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What is Term Insurance with a Return of Premium?, Best Quote Insurance Best Quote Insurance

Buy Term Life Insurance and get every penny back with Return of Premium Term Life! Term Life insurance is the known as the purest form of Life Insurance and its the least expensive way to get the most coverage. There are still those who just can’t see themselves spending all that money and getting nothing back. Well, the good thing is that if no one gets anything back from Term Life Insurance, its because you lived through the term of the policy. Term Life Insurance for families and individuals is a lot like car insurance. You pay year after year for auto insurance and never expect anything back. You have it just in case something happens, and you hope it never does. For a...

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Term plan with return of premium: Should you go for it?

Pure term plan does not give anything on maturity, while “return of premium” term plan gives you back all the premiums paid. If you want the feature, you will have to pay a price for it. Find out your options Aegon Religare and Shriram Life Insurance have launched “return of premium” (RoP) term plans called Save Guard and New Money Back Term Plan, respectively. The product designed to provide life cover while returning all the premiums to the policyholder at the completion of the policy term. The plans offers a lump sum payment of sum assured (SA) to the nominee/beneficiary on the unfortunate death of the life assured during the policy term. In a normal term plan you...

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Life Insurance: Smart Returns, Tax Savings, The Global Domain News

The significance of sustainable life insurance against the menace of rising healthcare costs and other expenses cannot be undermined. Therefore, life insurance becomes a potential tool for engendering substantial returns and tax savings as far as possible. As far as tax savings are concerned, there are innumerable avenues to choose from following the subjective preferences of the concerned policyholder. It is important to keep in mind that the prospects of a scheme for one investor need not be the same for another. It is also vital to keep in mind that the choice of a particular tax saving instrument should be weighed against the individual coordinates of preference. In other words, one...

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Phoenix Announces Launch of Return of Premium Option for Term Life Products, Business Wire

HARTFORD, Conn.--( BUSINESS WIRE )--Aug. 15, 2005--The Phoenix Companies, Inc. (NYSE:PNX) announced today the launch of the Phoenix Return of Premium Option(SM)for its term life products, a living benefit rider offering clients an income tax-free refund of premiums at the end of the term period. "Our Return of Premium Option combines the advantages of term life insurance with a guaranteed living benefit. This type of benefit can be ideal for those who would like to see value from their policy if they outlive their need for insurance. This lump-sum value could provide the flexibility to pay off a mortgage, finance college education, supplement a retirement savings plan or even fund a buy-...

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Life insurance: Covering risk and getting premiums back - The Hindu

A term insurance plan with return of premium can be a productive way to invest money The first question that every investor asks is ‘what or how much will I get in return?’ A majority of us, quite often, follow this practice, especially when choosing our insurance products. We all want something in return for any investment made in a financial product. And then, there is nothing wrong about it. Each one of us wants to best utilise our hard-earned money in the most productive way possible. Though, we must also understand that the ‘returns on investment’ should not be the only criteria when choosing an insurance product. But when it comes to life insurance, ROI (return on investment) does...

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Should You Convert Term to a Whole Life Insurance Policy?

One strategy that life insurance companies may use to earn more is to try to have you convert your term life insurance into a whole life insurance policy. The tactics vary, which may include phone calls regarding the changes about your policy or letters about how you are nearing the deadline for your term life insurance policy. The wording makes it sound like you need to make the changes or you may lose coverage. It may be a good time to review the life insurance that you currently have to see if you need additional coverage because your situation has changed. In fact, most people will switch from whole to term. Learn whether or not converting your policy if a good idea. Is It a Good Idea...

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