LIFE INSURANCE

RETURN OF PREMIUM TERM INSURANCE

Would you rather pay for

"Low Cost Term Insurance" -or- "No Cost Term Insurance"

With Low Cost Term Insurance, you pay inexpensive premiums for many years, and while important to have this protection, you risk paying for coverage that you may never use.

With No Cost Term Insurance, you receive the necessary Insurance Protection, and if you outlive the term of your policy, you receive all your money back. (You receive 100% of all your premiums, including rider costs and fees)

Example #1 Male, Age 35, Preferred Non tobacco. Needs $100,000 of 20 year term.

Year Term
Death Benefit
Accumulative Premium
Surrender Benefit
20
$100,000
$5,624
$5,624

20 years later at age 55, you are now in the position to make a lump sum purchase of Final Expense Insurance or a smaller Term Insurance policy with the money returned to you. (Or just keep the money)

Example #2 Male, Age 45, Preferred Non tobacco. Needs $250,000 of 20 year term.

Year Term
Death Benefit
Accumulative Premium
Surrender Benefit
20
$250,000
$22,108
$22,108

20 years later at age 65, you no longer need $250,000 of coverage. You now have $21,108 additional funds available for your retirement needs, college fund, or a lump sum payment for permanent Life Insurance, etc.


A Surrender Benefit feature offers you the best of both worlds, Protection If You Need It, Money Back If You Don't! Because of this, many value-driven consumers choose this unique solution for their Tern Life Insurance Protection. It's basically a Win-Win Situation!

For your free quote on Traditional or Return Of Premium Term Insurance-click on the below link.

Free Life Insurance Protection Request

Frank R Kovich Independent Insurance Advisor (630) 229-5740 Illinois

"Simply the Best" & "Most Competitive" major medical health insurance, return of premium term life insurance, critical illness insurance, accident protection, disability income protection, final expense insurance & medical/health/hospital/dental discount products in the industry... To individuals, independent contractors, the self-employed & small business owners.

Questions? e-mail Policy Rate Quotes

(major medical, health savings accounts, life insurance, critical illness, accident, disability income, final expense, return of premium term, dental)

(ROP-Term Insurance) Above programs may not be available in all states. (ROP-Term Insurance)

Disclaimer: As always, certain restrictions may apply. Last updated October 2008. Not responsible for errors, omissions, rate or policy changes.

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JG Wentworth Annuity Purchase Program

These days, many people feel that buying insurance is confusing to say the least. They find that although just comparing insurance company rates is fairly easy to do, the difficulty comes when one has to compare the rates against the benefits.What value are they getting for their buck? What does all that insurance jargon mean? How well will I and my family be covered? Are the limitations and exclusions normal? Are the maximums allowed fair?It is not uncommon to pay less for less as well as paying more for less. Most any insurance policy will get you through the hospital door, The catch is however, will you have the proper insurance coverage to be able to stay for the long term. Illinois

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