Term insurance is a good choice when you want to provide temporary protection but do not need the lifetime coverage and cash values that permanent life insurance would provide. But what if you could get all your money back?

Although you may appreciate the lower initial premiums provided by term life insurance, you get nothing back at the end of the level premium period. In that respect, term life insurance is an expense, and only pays off if the insured dies.

What if you could own term life insurance that pays off while you're alive?

The solution:  Return of Premium, an optional feature that some life insurance companies offer on their level term life insurance policies.

How it works: At the end of the level premium period of 20 or 30 years, the insurance company writes you a check for 100% of the premiums you paid, including the extra premium for this optional rider.

You get all your money back!

The purchase of life insurance is a serious decision, with significant financial implications for your family and business. That is why it is always a good idea to use a professional life insurance agent when purchasing life insurance. The best choice is an insurance agent that has earned the professional designation, Chartered Life Underwriter.

Would you like to know more? For a free initial consultation and quote on a term life insurance policy with an optional return of premium benefit, click here, or call today (800) 680-5596.