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Return of Premium Term Life Insurance
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Overview
An exciting alternative to traditional term life and permanent life products. With ROP, clients can
look forward to a refund of their cumulative premiums at the end of the level-premium period, or
prior to the end of the term depending on the product selected. It is ideal for individuals interested
in basic term protection but hesitant to invest in insurance they may not need, or permanent
insurance they cannot afford or view as a poor investment. It addresses the primary objections to
both basic term insurance as well as permanent life insurance.
Unlike traditional Term Life Insurance, that holds no cash value and expires worthless after the term
period runs out. The Return of Premiums Policy refunds 100% of your premiums at the term end.
How it works?
The Insurance companies that offer Return of Premiums plans charge slightly more for it then
traditional non-refunded premium term Life insurance.
During the level-premium period, the Insurance companies are able to invest portions of the
premium for capital growth. As result they are able to Return your premiums in full at the term-end.
Benefits
Imagine if you could get a Tax-free Refund on the Auto, Health or homeowners Insurance,
premiums you paid in the last 10, 15 or 20 years.
How much would you get back and what would you do with the money?
With the premium Refund from your Return of Premium plan, you can use the money to extend your
coverage for another Term, purchase a permanent plan or invest it anyway you like. The Money is
yours to keep...Tax-Free.
An exciting alternative to traditional term life and permanent life products. With ROP, clients can
look forward to a refund of their cumulative premiums at the end of the level-premium period, or
prior to the end of the term depending on the product selected. It is ideal for individuals interested
in basic term protection but hesitant to invest in insurance they may not need, or permanent
insurance they cannot afford or view as a poor investment. It addresses the primary objections to
both basic term insurance as well as permanent life insurance.
Unlike traditional Term Life Insurance, that holds no cash value and expires worthless after the term
period runs out. The Return of Premiums Policy refunds 100% of your premiums at the term end.
How it works?
The Insurance companies that offer Return of Premiums plans charge slightly more for it then
traditional non-refunded premium term Life insurance.
During the level-premium period, the Insurance companies are able to invest portions of the
premium for capital growth. As result they are able to Return your premiums in full at the term-end.
Benefits
Imagine if you could get a Tax-free Refund on the Auto, Health or homeowners Insurance,
premiums you paid in the last 10, 15 or 20 years.
How much would you get back and what would you do with the money?
With the premium Refund from your Return of Premium plan, you can use the money to extend your
coverage for another Term, purchase a permanent plan or invest it anyway you like. The Money is
yours to keep...Tax-Free.
1999-2008 Access Direct Insurance All rights reserved. About Us | Contact Us
1999-2008 Access Direct Insurance All rights reserved. About Us | Contact Us
1999-2008 Access Direct Insurance All rights reserved. About Us | Contact Us
