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Return of Premium Term Life: Is it for Real?

Return of Premium Term Life: Is it for Real?


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by Roccy DeFrancesco, Esq.
Physicians who feel they are wasting their money in paying premiums for a typical 30-year-level term life insurance policy may find help in a return-of-premium term life insurance policy. Premiums are higher, but all the money is refunded at the end of the term if the policyholder has not died. Estimates are that 93 percent of policyholders outlive the term of their life insurance.