It only provides coverage for a specific period of time. Term policies provide of the greatest amount of coverage for lowest Premium. Under this insurance the insured have leaving benefits.
We offer a compelling Return of Premium (ROP) term insurance policy which returns all contributed premiums.
Premium returns can start as early as the second year.
Life insurance protection in place if needed and return of premium investments of not.
Can act as a savings vehicle in which the insured may benefits from the upside potential of market gains.
Cash value can grow tax-deferred
Can be structured to include living benefits, allowing the policy owner to access the face amount of the policy to cover expenses related to critical, chronic, or terminal illness, as well as long-term care needs
A type of tax-deferred insurance product
Can be structured to provide income for life, acting as another resource for retirement income
Provides protection from market decline with a guaranteed floor
