Return Of Premium Term Life Insurance

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American General
Banner
First Colony
Genworth
ING
Jefferson-Pilot
Lincoln Benefit
Lincoln National
North American
Protective
RBC - Liberty Life
SBLI
Security Mutual
Transamerica
Union Central
U.S. Financial
West Coast
William Penn
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Term Life Insurance by Top Rated Companies
More term companies equals the best opportunity to obtain the lowest term quote!

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"how term life insurance works", "return of premium term life insurance",
"no exam term life insurance" and "what is term life insurance" will be explained on this page.

Return Of Premium Now Available For Term Life Insurance Policies

Policies allow for virtually free insurance!

Return of premium term life insurance is a guarantee of a return of all premiums you paid towards the policy once the policy term has expired assuming you have outlived the policy term.

Return of Premium term life insurance is purchased because it is the most cash efficient method of obtaining the amount of coverage you feel is needed to protect your family obligations, like your mortgage, raising your children, savings for college funds, etc.

Even if the return of premium policy is cancelled prior to the expiration of the policy term, a portion of the premium may be refunded.

Getting a refund of all the premiums!

Return of Premium term life insurance bridges the gap between low-cost term insurance and permanent insurance.

Getting a refund of all the premiums you paid gives you the best of both worlds. You have the assurance that your family is protected if something happens to you, and you minimize your risk of paying for coverage you may no longer need.

Products typically feature: level-death benefit term plans with fully guaranteed level premiums for the first 15, 20 or 30 years, with coverage expiring at age 95.

Some companies offer premium rate bands such as: $100,000 – $149,999; $150,000 – $249,999; $250,000 – $499,999; and $500,000 and higher.

Costs usually range approximately 30% higher than the most competitive tem life insurance products available. Therefore, the 30% increase is minimal to the young applicant due to the already low term life insurance premiums found at younger ages. Policy forms may not be available in all states. Applicants are subject to normal underwriting procedures established by the insuring company.

Return of premium plans also allow for other valuable riders not usually found available in the traditional term life insurance policy forms.

For more information from top rated companies follow the following links:

Overview HERE!

Return of Premium from AIG HERE !

Return of Premium from Chase HERE!

Return of Premium from Fidelity & Guaranty HERE!

Get term life quotes from TermLifeAmerica.com-
Lewis Fink is licensed as a term life agent offering term life quotes in the following states: Term life quotes for: Alabama - AL, Arkansas - AR, California - CA, Colorado - CO, Connecticut - CT, Delaware - DE, District of Columbia - DC, Florida - FL, Georgia - GA, Idaho - ID, Illinois - IL, Indiana - IN, Iowa - IA, Kansas - KS, Kentucky - KY, Term quotes for: Louisiana - LA, Maine - ME, Maryland - MD, Massachusetts - MA, Michigan - MI, Mississippi - MS, Missouri - MO, Montana - MT, Nebraska - NE, New Mexico - NM, New Jersey - NJ, New York - NY, North Carolina - NC, Term quotes for: North Dakota - ND, Ohio - OH, Oklahoma - OK, Pennsylvania - PA, Rhode Island - RI, South Carolina - SC, South Dakota - SD, Tennessee - TN, Term quotes for: Texas - TX, Utah - UT, Vermont - VT, Virginia - VA, and Wisconsin - WI.

We offer term quotes for 5, 10, 15, 20, 25, and 30 year term periods. Our universal life products can be quoted to cover a term of up to age 120. Not all term product quotes from all term companies quoted are available in all states.

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