Should you go for Return of Premium life insurance? [Presentation]

Return of premium (ROP) Life Insurance is a type of term life insurance coverage that returns your premium payments if you are alive at the end of your coverage term. Again, ROP life insurance works exactly as the name indicates: as long as the insured outlives the term period, the policy returns most or all of your premiums paid at the end of the term length — and you don’t even have to pay income tax on your windfall. This type of coverage can be either a stand-alone policy or as an optional life insurance rider on a standard term life insurance policy.

But is it worth the money? What’s the catch? Let us see in this presentation as compiled by our experienced Trust Life financial advisors.

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