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Return Of Premium Term Insurance

Also known as “ROP”, this form of term insurance will pay a death benefit if you die. If you don’t die by the time the term expires, however, you’ll receive all of your premiums back.

Another creative way of looking at ROP term insurance is as a “forced savings plan” whereby you’ll receive a sizeable sum of money when you need it most. Either your family is protected in the event of your death or you’ll receive your premiums back in a lump sum once the terms expires.