While some other tem plans may offer protection at low cost, insurance with return of premium option can ultimately return all of the premiums paid over the term period.
That's right - with the availability of an optional Return of Premium Rider, these products stand apart from most of the rest! With it, you can receive a refund of all premiums at the end of the term period.
It's simple: your family gets the death benefit if you die, or you get all your premiums if you live! Term insurance with the Return of Premium can help safeguard your family's future and enable your spouse and children to continue to live the life you would like them to without being burdened by financial worries.
Flexible features include:
15, 20, and 30 year term periods with a level death benefit
Premium guaranteed for your choice of 10 years or, for the full term for an additional cost.
Other optional benefit riders include:
Other Insured Rider - This rider helps save you money by enabling up to four people to be insured under the same plan for the same period and for exactly the same premium rates as if you had purchased separate contracts - all for only one policy fee.
Disability Income Rider - This rider provides monthly benefits for you if the insured is totally disabled. The amount of payment is determined when you apply for the policy (restrictions apply).
Waiver of Premium Rider - This rider protects against loss of coverage if the insured is totally disabled for longer for six months.
Accelerated Benefit Rider - If the insured is diagnosed with a terminal illness, you can receive up to 50% of the policy death benefit, up to 50% of the policy death benefit.
Ultimate Income Rider - This rider allows you to designate how the benefit will be paid. Instead of a single lump sum at your death, payments can be disbursed for years, providing steady income for your beneficiaries.
