By and far, the best option that we have available for our term products is the Return of Premium (ROP) benefit.  Not only does it protect you in the event of death, it is an investment tool that can be used towards retirement.  The end result is that, at the end of 30 years you get all of your money back, resulting in FREE INSURANCE.

What could you do with the TAX FREE money you get back?

·                    Roll it into an annuity, to guarantee income for life.

·                    Pay for a child’s college or wedding.

·                    Take that dream vacation you’ve always wanted.

·                    Pay off your current vehicle

·                    If you refinanced your mortgage, pay it off sooner.

Example of without Return of Premium (ROP) 

Monthly Premium Without ROP benefits …….$65

Death Benefit…………………………………$100,000

Premium Returned After 30 Years…………….$0

Net Cost After 30 Years……………………...$23,400

Example of with Return of Premium (ROP) 

Monthly Premium With ROP benefits…..……$80

Death Benefit…………………………………$100,000

Premium Returned After 30 Years…………….$28,800

Net Cost After 30 Years……………………...$0