The biggest beef people have had with term life insurance is that they will pay all this money into the policy and when it expires, they will get nothing. This has led many people to consider whole life insurance as an alternative. Finally, many of the leading insurance companies have addressed this issue. Return of Premium Life Insurance allows you to have the life insurance coverage that you need during the important years of raising a family and paying your mortgage. If you keep the policy in force for the full term and don't need the death benefit, you will get all premiums that you paid into the policy back, not including substandard and rider charges. Return of Premium Life Insurance is sometimes called Cash Back Life Insurance. Return of Premium Life Insurance is a form of Term Life Insurance and is for a specific period of time. Premiums remain constant over the term of the policy. It is usually available in 15, 20, or 30 year terms. Many families are finding Return of Premium Life Insurance a great way to pay off their mortgage or their children's student loans at the end of the term of the policy. Unlike whole life insurance, Return of Premium Life Insurance does not have a cash value. Features of Return of Premium Returns your Premiums Allows for temporary Life Insurance needs Reasons to Buy Return of Premium The reasons to buy Return of Premium Life Insurance are endless and difference for every family. These are some of the more common reasons: Coverage during the child rearing years Mortgage Protection Offers a form of savings, if death benefit is not needed When requesting a quote, ask for term insurance - http://www.lifeant.com/what-is-term-life-insurance/ Life Ant 215 E 24TH ST #120 New York, New York 10010 (917) 426-8093 office@lifeant.com