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The Return Of Premium Rider is a great option that may be available to you on some of the select Term Life policies that I have to offer you. With this innovative Rider, you can receive your money back starting in the 6th year of your term.
You get the protection you need for however long you need it. If you outlive the policy term, and have no further insurance need ...Just take the cash. And it is Tax Free! But if you still need life insurance you can convert the policy to a whole life policy, regardless of any health conditions,for the same face amount, then you can use the money to pay for your new policy. It is a win/win situation!
Examples: Male
| Age |
Term
Period |
Death
Benefit |
Annual
Premium |
Return
of Premium |
| 30 |
30 |
$ 200,000 |
$ 468.96 |
$ 14,429 |
| 35 |
30 |
$ 200,000 |
$ 539.76 |
$ 16,193 |
| 40 |
20 |
$ 200,000 |
$ 873.60 |
$ 17,472 |
| 45 |
20 |
$ 200,000 |
$ 1161.36 |
$ 23,227 |
| 50 |
20 |
$ 100,000 |
$ 995.56 |
$ 19,111 |
Examples: Female
| Age |
Term
Period |
Death
Benefit |
Annual
Premium |
Return
of Premium |
| 30 |
30 |
$ 200,000 |
$ 390.60 |
$ 11,718 |
| 35 |
30 |
$ 200,000 |
$ 438.96 |
$ 13,169 |
| 40 |
20 |
$ 200,000 |
$ 661.44 |
$ 13,229 |
| 45 |
20 |
$ 200,000 |
$ 840.00 |
$ 16,800 |
| 50 |
20 |
$ 100,000 |
$ 666.72 |
$ 13,334 |
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HealthAmerica / HealthAssurance, Aegon Insurance Group, Aetna, Allianz, Assurant, Cigna, Delta Dental,
Humana, Sirius International, IMG,
Principal Financial Group, Spectera, TransAmerica, United Healthcare,
Unum, UPMC Health Plan, Golden Rule, Highmark BC/BS and Medico
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