Return of Premium Term Life Insurance
Return of Premium Term Life Insurance provides coverage during the years your family needs it most and returns your premium dollars if you outlive the policy term. The Shanley Insurance Agency helps families across Upstate SC compare options and decide if this strategy fits their goals and budget. Life Insurance with a “Money-Back-Guarantee” guarantees your premium dollars are never wasted!
Term Life Insurance Protection With a Built in Money-Back Guarantee
Most people understand the value of term life insurance. It can protect your family during the years they depend on your income the most. But, here is the part many people do not like: With traditional term life insurance, if you outlive the policy, the coverage ends and the premiums you paid are usually gone. Did you know that 97% of all term life insurance plans never pay a death benefit claim? Return of Premium Term Life Insurance was designed to help solve that problem. Your family has protection if life takes an unexpected turn. And, if you outlive the full policy term (20 or 30 years) with no death benefit paid, you get back all of your premium dollars back in a "Tax-Free Lump Sum Check"! That gives you a powerful combination: Protection for you family if needed, all your premium dollars back if you don't.
Life Insurance Options
We bring expert insurance advice to your home or over the phone, specializing in Life insurance you don’t have to die to use — with Living Benefits and a Money Back Guarantee. Serving Pickens, Easley, and the Upstate of SC since 1999.
Your premiums lock in a level rate for the full term — typically 20 or 30 years — so the cost never increases while coverage is in force. If you pass away during the term, your beneficiaries receive the full death benefit tax-free to help replace income, pay off a mortgage, or handle final expenses. And if you outlive the policy, every single dollar of premium you paid over those decades is returned directly to you, entirely tax-free lump sum check. That means you either leave a legacy for your family or you give yourself a lump-sum refund to use however you see fit in retirement.
Your premiums lock in a level rate for the full term — typically 20 or 30 years — so the cost never increases while coverage is in force. If you pass away during the term, your beneficiaries receive the full death benefit tax-free to help replace income, pay off a mortgage, or handle final expenses. And if you outlive the policy, every single dollar of premium you paid over those decades is returned directly to you, entirely tax-free lump sum check. That means you either leave a legacy for your family or you give yourself a lump-sum refund to use however you see fit in retirement.
Get Your Money Back — While Staying Protected
Here’s the real value of Return of Premium Term Life Insurance — it works just like a regular term policy, but with a twist that changes the entire equation. You pick a coverage period that lines up with your biggest financial responsibilities — maybe until the mortgage is paid off or the kids are out of college — and your family is fully protected during that window. If you pass away during the term, your beneficiaries receive the full death benefit, just like standard term life. But if you make it to the end of the term without needing the policy, every single premium dollar you paid comes back to you in a lump sum check. Not a reduced amount. Not a partial credit. All premium dollars paid. So you’re not choosing between protecting your family today and wasting money tomorrow. You get the coverage while you need it most, and if the worst never happens, your money simply returns to your pocket. It’s not an either-or decision — it’s protection with a built-in exit strategy.
20 - 30
Year term options
Flexible term lengths to fit your needs
100%
Tax-free lump-sum return
Full return of premiums if term ends without claim
1M+
Coverage available
High coverage limits for comprehensive protection
24/7
Peace of mind
Constant protection for your loved ones
Common Questions About Return of Premium Term Life Insurance
If you have any further questions, please contact us.
Ready to get your premiums back at the end of the term?
We'll explain your coverage options in plain English, break down the real costs, and help you figure out what makes sense for your situation — all over the phone or in your own living room. No office visit, no commute, no pressure. The Shanley Insurance agency is one of the few insurance agencies that offer "Return of premium term life insurance SC / GA".