Return of Premium Insurance


A return of premium life insurance policy is a type of term life insurance that provides a death benefit to your beneficiaries if you die during the term of your policy, but refunds the premiums you’ve paid if you outlive the policy term. ROP policies often cost more due to this feature. Terminating the policy or failing to make payments before the term expires could result in losing this benefit.

Insurance Products

  • Whole Life Insurance

    A whole life insurance policy, also known as a traditional life policy provides permanent protection with a cash value component that the policyholder can draw or borrow against.

  • Term Life Insurance

    A term life insurance policy provides the policyholder affordable protections for a temporary period of time. Term policies do not have value beyond the guaranteed death benefits.

  • Cancer Insurance

    Cancer insurance is a supplemental insurance that pays a lump sum if the policyholder is diagnosed with cancer. Treatments and procedures vary for each individual.

  • Final Expense Insurance

    With the average cost of funerals ranging upwards of $10,000, it’s crucial to protect your loved ones. A final expense insurance policy covers the end of life, medical, and legal expenses.

  • Accidental Death Insurance

    Accidental Death Insurance offers a tax-free cash benefit in the event of a covered accident. You can’t predict the future but you can protect your family’s financial security.

  • Indexed Universal Life Insurance

    Indexed universal life insurance is a type of permanent life insurance that provides coverage for the entirety of the policyholder’s life. With an IUL, the cash value growth is tied to a stock market index.

  • Gerber Life College Plan

    The Gerber Life insurance college plan is a unique savings plan designed to help families save for their children's future college expenses while also providing life insurance coverage.

  • Long Term Care Insurance

    Long term care insurance provides coverage for the cost associated with long term care which is typically needed when an individual becomes unable to perform certain activities of daily living such as bathing, dressing, and eating due to an illness, disability, or aging.

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