A policy that pays you back.

Return of Premium Life Insurance

A policy that pays you back.

What's right for me?

How can I use Return of Premium life insurance?

How can I use Return of Premium life insurance?


Coverage that is adaptable to meet your changing needs. At the end of your 20 or 30 year policy term you can:

  • get your premium back,
  • select to have a paid-up life insurance policy,
  • or a combination of both.

Living Benefits

  • If you surrender the policy at the end of your policy term, you are guaranteed to receive your annual premiums back, income tax free.*
  • When your policy term is up, if you wish to continue life insurance protection, you can select a reduced paid-up insurance policy and no further premium will be required. Or, continue the policy with premiums that increase annually.
  • Or, you could choose a combination.  Use half of the cash surrender value to select a reduced paid-up life insurance policy and receive the other half tax free.*
Living Benefits
Income Protection

Income Protection

  • In the event you pass away, your loved ones will receive the life insurance proceeds income tax free.*
  • The premium is level and guaranteed not to change for the 20 or 30 year term period.
  • The return of premium term allows you to determine when and how you want to use your life insurance policy.
* Based on current tax laws
Insurance can be confusing.
Our agents make it as easy as 1, 2, 3.

Help you understand what you have


Whether you currently have life insurance or not, an expert agent will have a quick conversation with you and answer your questions.


Discuss your personal goals


During this conversation, the agent will work with you to determine your goals, whether it be to replace personal income, pay off debt, or provide college education. 


Create and adjust your plan to the stages of your life


Once you identify your goals, the agent will create a life insurance program that meets your unique needs. 

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