Insurance Financial Solutions

Phone: (866) 674-5527
Email: info@securityfinancialonline.com

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Return Of Premium

Solutions for a New Era!

Why Return of Premium (ROP)

Unlike "Traditional Term Insurance" where you pay premiums into a policy and should the day come that you out live your term all the premiums paid into the policy are lost. One of the obstacles that Insurance Companies faced is how do we give our clients the best of both worlds; economical Insurance rates and the advantage of building a Cash Value.

The Simple Solution:

Get paid for living once you reach the end of your term with the Return of Premium rider you will be entitled to all your cash value. Imagine having a plan that works like a savings you can use these funds to pay off your home ahead time, pay bills and or home improvements.

Things you should know:

At the end of your term you will receive 100% of your Cash Value
The Cash Values are not paid upon the death of the insured only the death benefit is paid.
Cash Values are only paid if the policy if the policy is surrendered or if the policy endows at the end of the level premium period.
You have a choice of three Level Term periods of protection 15, 20, 30.
What premium amount would fit comfortably into your budget?
Would a lower initial premium or a consistent premium amount be most appropriate for you?
Is access to cash values for future expenses necessary?
Do you prefer a death benefit and cash values that vary with the market performance of underlying portfolios of investments

Table of Return of Premium Factors (Table factors on surrender charges may vary)

Video Testimonials

A licensed life insurance agent may call you for follow up on your quote and or application. Benefits will be adjusted for misstatements of age or sex. Rates may increase or decrease during the underwriting process. Answering the questions on this form will not result in a determination of your eligibility for Mortgage life and Disability Insurance coverage. Company and product availability varies by state.

After completing this expression of interest, your information will be sent to one of our Life experts. A Life expert will contact you by telephone. By submitting your expression of interest, you are consenting to receive telephone calls even if you are currently on the do not call list.

Insurance financial Solutions, CA License # 0B98129