ROP Term Insurance (Return of Premium) is a type of term life insurance that provides financial protection for a set period. If you outlive the term, you get back all the premiums you paid—offering peace of mind with a built-in money-back guarantee.
Why It Works for You
✅Full premium refund at the end of the term
✅Tax-free return (in most cases)
✅Death benefit coverage during the term
✅Combine security and savings
Who Is It For?
✅ Savers who want value from insurance
✅ Families wanting coverage and a refund
✅ People who dislike “use-it-or-lose-it” products
How It Works
✅Choose your term and coverage
✅If you pass away during the term → your family gets the benefit
✅Pay premiums regularly
✅If you outlive the term → you get all your money back