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Term or Perm? … Why not BOTH?

Have you ever had a client struggle with whether to buy the cheaper term, but they really want / need a LONG-TERM solution? Now you can offer a solution that is the best of both worlds. The solution is a Return of Premium (ROP) Term policy. You’ll stand out from other brokers who are offering “plain ol’ term or whole life” options.

Choose either a 20 or 30 year term period. At the end of the term, you have THREE Choices.

(1) Guaranteed Cash Refund of the premiums paid

(2) Guaranteed Reduced Paid Up Life Insurance - paid-up to age 95

(3) Guaranteed Extended Term Insurance – paid-up level term insurance for a period of time (averages 11 years) with the original death benefit

It’s typically a lower cost than a Universal Life (UL) or Whole Life (WL), has two ways to continue coverage OR just get your money back.


Send an email to joseph@arkgroup.com with the subject line, “ROP Term” if you would like to learn more about this unique solution.


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