Structured Settlements 4Real®Blog 2026

Structured settlements expert John Darer reviews the latest structured settlements and settlement planning information and news, and provides expert opinion and highly regarded commentary. that is spicy, Informative, irreverent and effective for over 20 years.

by John Darer CLU ChFC MSSC CeFT RSP CLTC

What is Return of Premium Term Insurance  ("ROP Term")?

Return of Premium term insurance is a life insurance solution for those who want to pay a low level premium and would like something extra to help pay off the mortgage at the end of the term.

Essentially the policy has a cash value equal to the cumulative base premiums paid upon surrender of the policy at the end of the defined level premium period.

One of the major life insurers offers 17 different term durations (up to 35 years in certain states)

Naturally the Return of Premium Term comes with a higher price than traditional level premium term insurance

Your agent should be able to perform a present value calculation to help you compare different alternatives and inform you whether the additional outlay makes sense in your particular case.

For more information about Return of Premium term insurance or life insurance in general, please call me at 888-325-8640

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