Return of Premium Term Insurance

Term Insurance is designed to offer coverage for a fixed amount of time (10, 15, 20 and 30 years) to cover things like your Mortgages, Bills and Family Members. With regular term insurance if you out-live your coverage, you get nothing back. With Return of Premium Term Insurance, if you out live it, you will get 100% of your money back. You have nothing to loose.

Let us explain how Return of Premium Term Insurance works. It's like leasing a car. You get to enjoy the car for the lease period, and you make payments each month, on the lease. At the end of the lease, you give back the car that you got to use and you walk away. With Return of Premium, when you return the leased car, you receive all of the money you have given the car company back. Basically, you were able to use the car for free during the term period.

Let us explain it to you in another way. You rented a home from your landlord for 20 or 30 years. Finally you decide that it is time for you to move out and purchase your own home or rent another home. You move out, and your landlord gives you every penny that you have given him, to go towards the purchase of a new home, or any other need that you have at the time.

You get to use the protection and insure that your mortgage or children living at home are protected, and when you are done using the protection, you receive all of your money back.

If you do not have this new modern type of Term Insurance, then please allow us to help you add this product to your protection plan.