Return of Premium Life Insurance

Return of Premium Life Insurance provides the owner of a life insurance policy the ability to get all their money back at the end of the policy's term.

For example, if you owned a return of premium life insurance policy that had a 30 year term rate guarantee, at the end of the 30 years if the insured person was still alive, you would receive all the money back that you paid over the 30 years.  Quick, instant quotes can be gotten here.

What are the Advantages?

If you are in average to excellent health, a return of premium life insurance policy is only a little bit more than a term insurance policy that has no money back provisions.  In many cases the tax free* rate of return on the additional premium approaches 8% or 9%!

*If the premiums are paid with after tax dollars then the money back you receive after your term ends is tax free.

What are the Disadvantages?

Return of Premium Life Insurance Plans cost more.  With a typical no money back life insurance plan you could buy more insurance for the same price, or save money, by buying a plan where the insurance company keeps all your money if you are still alive at the end of your term,

Other Key Factors

The rate of return you receive on the extra money you pay is higher if you are younger and/or in good health.  Also, when you select a return of premium life insurance plan that has a term of 30 years, your return is higher than if you picked a 15 or 20 year term.

The best way to find out if a Return of Premium policy might be for you is to get an instant quote and compare the prices.  You can also give a call, toll free at 1-888-832-5110 and get your questions answered immediately.

Return of Premium Term Life Insurance Quotes After providing the information below, press the "Submit" button. Quotes are processed instantly.

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Birth Date: Month January February March April May June July August September October November December    Day 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31      Year 1910 1911 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 Sex: Male  Female Do You Smoke or use tobacco?: Yes  No     Tobacco Guidelines? Describe your Health: Regular  Regular Plus PreferredPreferred Plus My Health? Your State: Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Dist. Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico NY Non-Bus NY Business North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Guam Puerto Rico Virgin Islands American Samoa Initial Level Insurance Period: 5 Year Term Guaranteed10 Year Term Guaranteed15 Year Term Guaranteed 20 Year Term Guaranteed 25 Year Term Guaranteed 30 Year Term Guaranteed ------------------------------------ 15 Year Return of Premium 20 Year Return of Premium 30 Year Return of Premium Amount of Insurance: $50,000  $75,000  $100,000  $150,000  $200,000  $250,000  $300,000  $350,000  $400,000  $450,000  $500,000  $600,000  $700,000  $750,000  $800,000  $900,000  $1,000,000  $1,250,000  $1,500,000  $1,750,000  $2,000,000  $2,500,000  $3,000,000  $5,000,000  What coverage amount do I need? Premiums Paid: Annual  Monthly                      Protect your family, assets & business... Family College Business

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