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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 with the subject line, “ROP Term” if you would like to learn more about this unique solution.


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