Term Life Insurance with Return of Premium
Get the options you need to be successful in a market that's more commoditized than ever:
- Hard-to-find Return of Premium benefit1
- Accelerated underwriting for e-apps and tele-apps
- Industry-leading rates with this optional benefit
- Dedicated in-house service and support
Instant opportunities in hot markets
73 million Americans are without life insurance coverage2 and say they need it, meaning easy and affordable term life insurance is about to boom. In certain markets, you can get an advantage over other products using Assurity’s term life with the optional return of premium benefit. Get coverage for:
Millennials
The fast-growing millennial market, 48% of which say they plan to buy life insurance within the next 12 months2
Families
Families can use optional riders to extend coverage for multiple needs, with the option to convert to permanent coverage later
Workers
Almost half don’t have access to coverage through their employer, and when they do the median amount is only $20,0003
Tools to help you sell
About Term Life with ROP
Term Life with optional Return of Premium returns a percentage of premiums paid if the death benefit isn’t used. It does more than help overcome objections – both the ROP benefit and accelerated underwriting make it easier for you to reach the next generation of insurance buyers. Visit AssureLINK for the full Product and Underwriting Guides.
- ROP available with 20 and 30 year term periods
- Face amounts from $25,000 to $10 million
- Instant decision available up to $1,000,000 for ages 18-50 and $500,000 for ages 51-65
- Ability to customize coverage with additional riders
Get in touch
Don't settle for a product or carrier that puts your needs last — talk to your regional sales representative to learn how you can thrive using Term Life with ROP.
Contact UsFOR AGENT USE ONLY. NOT FOR USE WITH THE GENERAL PUBLIC. NOT AVAILABLE IN NEW YORK.
This policy may contain reductions of benefits, limitations and exclusions. For costs and complete details of the coverage, please contact your insurance representative or Assurity to review the policy for more information.
Policy Form No. I L1702 and Rider Form Nos. R I1506, R I0827-T, R I1706, R I0762, R I0763, R I1703, R I1705, R I0825-T, and R I1704 are underwritten by Assurity Life Insurance Company, Lincoln, Nebraska.
Assurity is a marketing name for the mutual holding company Assurity Group, Inc. and its subsidiaries. Those subsidiaries include but are not limited to: Assurity Life Insurance Company and Assurity Life Insurance Company of New York. Insurance products and services are offered by Assurity Life Insurance Company in all states except New York. In New York, insurance products and services are offered by Assurity Life Insurance Company of New York, Albany, NY. Product availability, features and rates may vary by state.
- Optional Return of Premium benefit provided under the Endowment Benefit Rider (ROP Rider in some states). Only available on 20- and 30-year term policies. Premiums paid for any other optional riders are not returned. Endowment Benefit Rider (ROP) returns a percentage of premiums paid for the term life base policy and premiums paid for the Endowment Benefit Rider (ROP), less any benefits paid
- LIMRA and LifeHappens, 2021 Insurance Barometer Study
- Bureau of Labor and Statistics, Employee Benefits in the United States, 2020