Subject: Re: Re: return of premium term

Comments:
: : How does the return of premium term work? What are the advantages and disadvantages of this insurance. Are there any kind of conditions that have to be met in order to get all my money back? : ********************************************** : It depends on the Company. Yet pretty cut and dry. Pay a higher premium, keep the policy to full term and you get back 100% of premiums payed. After a certain amount of time the policy will pay a certain percentage if not kept tp full term... : Ex: at 7yrs. if the policy is cancelled the client will get back 15% of preium..At 15yrs, 45%,,,These are just numbers thrown in the air, but you get the point. : If the policy is convertable, if health issues crop up the company may let you take the value and apply it to a perm. policy.

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