Built-in Return of Premium

A Critical Illness policy provides a direct payment to policyholders if diagnosed with a covered condition.  And, if you have clients who are worried about paying premiums for something they may never use, the built-in return of premium can help ease their concern.

The built-in Return of Premium benefit is a unique advantage of our Critical Illness product. Any premiums paid, minus any policy benefits received, will be refunded to a beneficiary upon their death and there’s no additional charge for this benefit. This allows clients the coverage they want, with the peace of mind they need.

Note: Return of Premium is not available in all states.