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Return of Premium Life

Return of Premium Life

Essentially a combination of term & whole. The concept is that the policy returns the premiums you have paid for coverage over that fixed-term period if coverage is never used. As with all insurance plans, with a return-of-premium policy, a death benefit is paid out should you pass away. However, if you live past the 30-year term, you receive every last cent of your money back. Therefore, no matter what happens–whether you die while covered or outlive the policy—money is distributed.

Return of Premium Life American Insurance Brokers

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