Life

One of the most common objections to term life insurance is simple: "What if I pay for 20 years and never use it?" Return of premium life insurance is designed to answer that worry. If you outlive the policy term, you get back the premiums you paid. It sounds like a sure thing, but like every insurance choice, it comes with trade-offs. Here is how it works, in plain language. How Term Life Insurance Normally Works With standard term life insurance, you pay a premium for a set