Return of Premium Life Insurance Plan

With our new Return of Premium (ROP) Life Insurance plan, you don’t just protect your family - you get rewarded for staying the course. This is life insurance reinvented.

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Return of Premium Life Insurance Plan
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Return of Premium Life Insurance Has Arrived

Finally- a life insurance plan that rewards you for staying protected. Our new Return Of Premium (ROP) Life Insurance is here, and it’s changing the way people think about coverage.

This isn’t just peace of mind. It’s guaranteed protection plus a built -in reward.


Our Return of Premium Plan is protection with a payoff

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Individuals seeking long-term value

Regular premiums are paid throughout the term. These premiums are typically higher than those for standard term life insurance to account for the refund feature.

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Families who want inflation-proof protection

Your coverage amount automatically increases by 1.5% each year, providing a crucial safeguard against rising costs and ensuring your policy’s value remains relevant over time.

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Anyone who loves the idea of getting something back from their premiums

This type of policy is ideal for individuals who want the dual benefit of insurance coverage and a financial return if they remain healthy and do not need to make a claim.

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Guaranteed death benefit that increases each year

If there’s a claim during the coverage term, beneficiaries receive a guaranteed death benefit.

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Coverage that helps to keep up with inflation

Your coverage increases 1.5% annually to help offset rising costs.

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46.25% of your premium back if you outlive the policy term

This is paid at four key milestones. Download our ROP Life Insurance Plan flyer below for the Return of Premium Schedule.

Learn More about our ROP Life Insurance Plan