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. Over 95% of all term life plans never pay a death benefit. 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! That gives you a powerful combination: Protection for you family if needed, all your premium dollars back if you don't.
Life Insurance Options
Expert insurance advice for Life insurance you don't have to die to use (Living Benefits) and Life insurance with a Money Back Guarantee
Coverage stays fully in place, and if you outlive the term, every premium dollar comes back to you tax-free
Coverage stays fully in place, and if you outlive the term, every premium dollar comes back to you tax-free
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 pretty great twist. If you make it through the full term without needing to use it, you get all your premium dollars back. So your family's protected while the policy's active, and if life goes smoothly and nothing happens, your money comes right back to you. You're not just paying for a "what if" — you're covered either way. It's one of those rare situations where you really can have your cake and eat it too!
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
If you have any further questions, please contact us.