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Term Life Insurance with ROP and Living Benefits

Unlock Financial Security: Outlive Your Term Life Policy with Return of Premium (ROP)!

Return of Premium (ROP) term life insurance refunds premiums if the policyholder outlives the term. This optional add-on to a 10, 20, or 30-year term life policy ensures you get your money back if you outlive the policy. Without an ROP rider, the policy expires with no payout if the policyholder is still alive at the end of the term.

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Living Benefits: Financial Support and Peace of Mind During Critical Times
Get term life insurance with benefits that can be used to cover expenses such as medical bills, long-term care, or other financial needs during a serious illness or injury.

Features and Benefits

No Payout on Expiration

Without ROP, the policy expires with no payout if you’re still alive, but ROP ensures a financial return.

Peace of Mind

Knowing that you will receive your premiums back if you survive the term offers added financial security.

Refund of Premiums

If you outlive your policy term, you get back all the premiums you’ve paid, providing a financial return.

<span data-metadata=""><span data-buffer="">FREQUENTLY ASKED QUESTION

To provide you with the information you need quickly and easily.

  • What is term life insurance?
    Term life insurance provides coverage for a specific period, paying a death benefit if the insured passes away during that time.
  • How long does term life insurance last?
    Term life insurance policies typically last for 10, 20, or 30 years, offering temporary coverage.
  • Can term life insurance be extended?
    Term life insurance can sometimes be extended or renewed, but premiums may increase significantly after the initial term ends.
  • Is term life insurance a good investment?
    Term life insurance is designed primarily for financial protection rather than investment. It offers coverage at a lower cost compared to permanent life insurance.
  • What happens if I outlive my term life insurance policy?
    If the insured person outlives the term of the policy, coverage ends, and there is no payout unless the policy has specific features like return of premium or conversion options.
  • How much term life insurance do I need?
    Determining the right amount of coverage depends on factors such as income replacement needs, debts, mortgage, and future financial obligations.

More Questions? We have answers.

Life insurance can be complicated. Luckily, we’re always here to help.

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NGA Financial is a licensed insurance service in the state of Florida (FL license # L127569). Your privacy is important to us. We collect and use your information as described in our Privacy Policy. Products and their features may not be available in all states. To help avoid requiring a medical exam, our application includes certain health and lifestyle questions.2025© NGA Financial. Alright Reserved