Protection now. Money back later.

We all recognize the need to provide life insurance protection for our families. Without it, the death of a provider can have devastating consequences. Level premium life insurance is popular because it's a low-cost way for families to protect their loved ones for a specified period of time. Fortunately, many families never need the death benefit.

With level premium insurance, as long as you pay your premium, the policy will pay the death benefit in the event you die. For a slightly higher premium today, you can get the same guaranteed protection now, and get money back later.

Return of Premium Term Life insurance pays your premiums back at the end of the level premium period you select. As long as you live to the end of the term, you have the option to get your money back: guaranteed and tax free.

Many of our clients are selecting this type of policy because the odds of living are greater than the odds of dying.  Although most insurance riders do not offer a good rate of return on your premium dollar, this added protection mathematically is similar to maintaining an interest bearing savings account.  In short, the numbers work with this rider for certain risk averse savers, so we recommend it where appropriate.

Contact us to discuss your options.