“Return of Premium” Life Insurance: Is it for you?
By Victoria Eden buy something more amount large enough to pay
expensive - otherwise, you’ll you back your original
Every penny spent – invest the difference. investment PLUS every
returned to you tax free! penny of your insurance costs
Here’s your basic choices:
Sound good? I’ll explain for all the years.
how it works then you can 1. Buy an expensive cash
value permanent policy. Crunching Numbers
decide for yourself.
2. Buy cheap term insurance. Example One
What is ROP?
3. Buy term and invest the Let’s say a man, 35 years
“Return of Premium” old, qualifies as a preferred
(ROP) is term insurance with non-smoker and he wants to
a “rider” (amendment to the 4. Buy a mid-priced ROP and buy $1,000,000 of life
contract) to refund the full get all your money back. insurance. The cost of a basic
amount of your premiums at 20 year term policy is $610
the end of the policy if no per year. That is a reasonable
claim is filed. price and if his budget is tight
That rider increases the and his need will be gone in
cost of insurance however report is copyright protected. not a bad way to
20 years it’s
premiums for the insurance you like to read a full copy? go.
and rider are paid back in full.
Please follow these instructions: cost of a
It is more expensive than
Return of Premium policy is
basic term but costs less than $1,695, which is $1,085 more
cash value insurance. an insurance clients or prospective client? he
Are you than basic term BUT
Is ROP a Good Deal? would get a refund for
Please make your request using the contact form here: years.
$33,900 in 20
Is ROP right for you? www.TruthfulInsuranceInfo.com/srr
If he out-lives
or call (800) 419 - 8393 8:00 a.m. to 5:00 p.m. Eastern time. his policy,
That’s highly individual.
How you feel about life his life insurance protection in
insurance, how you manage With that as our starting essence would be free. And,
Are you an point, let’s or investment because the insurance
money and your philosophy insurance walk through this professional?
of saving and investing will together. company is returning his own
Please make your request using the contact form here: entirely tax-
all play a part in your money, it is an
IF you were to invest the
decision. www.MoreClientsEasier.com/srrfree settlement.
difference between ROP and
or call (888) 709 – 8027 8:00 a.m. to 5:00 p.m. Eastern time.
Let’s say you have decided term insurance (ROP minus So, here’s the big
definitely you will be buying term = amount available to question: If you invested that
life insurance. So, minimally invest), how much interest excess ($1,695 - $610 =
the cost of an inexpensive would you have to earn to $1,085), how much interest
term policy will be spent each equal the ROP settlement? would you have to earn for a
month. The interest rate on your $33,900 payout in 20 years?
However, if it made hypothetical investment The answer? 4.08%*
financial sense, you might would need grow safely to an consistently all 20 years.