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Return Of Premium Life Insurance Quote
One of the biggest complaints that people have about term life insurance policies is that, because they probably won't die over the course of the policy, the money that they spent on premiums is, essentially, money wasted. The basic term life plan sees no accumulation of cash value over the duration of the policy. While there is a definite benefit, in that it's less expensive than permanent life insurance, term life insurance involves a calculated risk that you will simply lose your premiums after the term expires. This is why Return of Premium (ROP) term life insurance has come about. Return of Premium term life insurance is a relatively new development. In ROP policies, the amount that you pay in premiums is returned to you at the end of the policy. So, for instance, if your annual premium equals $700 on a 20-year term life policy, once the term has expired, you will get back $14,000. This money is tax-free, since the money paid towards the policy has been paid with after-tax dollars. This money does not include any substandard or rider charges, which may take effect after the level payment portion of the plan. Thus, ROP term life policies help to bridge the gap between traditional term and permanent life policies. At www.insurancequoteman.com, we offer you ROP plans, in addition to term and permanent life insurance plans. We offer policies only from A-rated and higher carriers. That way, you know that the policy you get is one you can trust. You can use our quick and easy ROP search engine to find available policies, and then you can request information from the carriers directly online. We also encourage you to contact us, should you have any questions or just wish to discuss your life insurance options.
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