NPN: 1141954 | TX License: 738897 | 40+ years experience | 35+ A/A+ rated carriers | Multi-state licensed
Content reviewed: March 2026 — Questions? Call 830-201-3153
Return of Premium Term Life Insurance – Get Your Premiums Back
Get the protection you need and receive all your premiums back if the policy matures without a claim. It's like having a safety net with a money-back guarantee.
Protect your family while building for your future - the smart choice in term life insurance.
Why Choose Return of Premium Term Life Insurance?
Return of Premium Term Life combines the best of protection and savings, making it a smart choice for individuals looking for guaranteed returns.
Money Back Guarantee
Receive a refund of all premiums paid if you outlive your policy term, providing a risk-free safety net
Family Protection
Ensure your loved ones are protected with a guaranteed death benefit, offering peace of mind
Level Premiums
Lock in premiums that remain constant for the duration of the policy, making budgeting easier
Optional Riders
Enhance your policy with riders like critical illness or waiver of premium
Flexibility
Renew or convert your policy to permanent life insurance if your needs change
Compare Your Life Insurance Options
Data as of March 2026. Sample premiums based on healthy non-smoking 35-year-old, $250,000 coverage.
| Feature | Return of Premium | Traditional Term | Whole Life |
|---|---|---|---|
| Yes | Yes | Yes | |
| Yes — 100% | No | No | |
| No | No | Yes | |
| Yes | Yes | Yes | |
| 10–30 years | 10–30 years | Lifetime | |
| ~2–3× term cost | Lowest | Highest | |
| Disciplined savers who want a safety net if they outlive the term | Maximum coverage at lowest cost | Permanent needs + estate planning |
Rates are illustrative. Your actual premium depends on age, health class, and carrier. Get your ROP quote →
Our Process
- Initial ROP Consultation
- Coverage Amount Selection
- Term Length Determination
- Premium Calculation
- Application & Underwriting
- Policy Activation
FAQS
Partnering with Trusted Life Insurance Providers
We work with top-rated providers to bring you the best life insurance options.
* Testimonials represent real customer experiences. Individual results may vary based on age, health status, and coverage needs.
** Coverage and rates are subject to eligibility, underwriting requirements, and state availability. Not all applicants will qualify. Please consult with a licensed insurance agent to understand your specific situation and options. Sample rates shown are for illustrative purposes only; your actual premium will depend on age, gender, health classification, coverage amount, and carrier underwriting at time of application.
Curtis Drake | Licensed Independent Life Insurance Broker | NPN: 1141954 | TX License #738897 | Licensed in 41 states (not licensed in Connecticut, Illinois, Mississippi, Montana, New Hampshire, New Jersey, New York, Vermont, Washington, or Wisconsin).
Frequently Asked Questions
Real answers from a licensed broker with 40+ years of experience.
Getting Started
How do I get a life insurance quote?
It's simple and free. Click the "Call for a Free Rate Comparison" button, answer a few basic questions about your age, health, and coverage needs, and you'll see personalized quotes from multiple top-rated carriers. There's no obligation and no pressure — you're just exploring your options. If you have questions along the way, Curtis or one of our licensed agents is a phone call away at 830-201-3153.
Are the quotes really free?
Yes — 100% free, with no obligation to buy. We're an independent agency, which means we earn a commission from the carrier if you decide to move forward. You never pay us directly. If you choose not to purchase, you owe us nothing.
How do I choose the right type of life insurance?
The right type depends on why you need coverage and for how long. Term life is the most affordable option and is ideal if you need coverage for a specific period — while your kids are young, while you have a mortgage, or while you're in your peak earning years. Whole life and universal life provide permanent, lifelong coverage and build cash value over time. Final expense insurance is designed specifically for seniors who want to cover burial costs and leave nothing behind for their family to worry about. Our agents will ask the right questions and walk you through the best options for your situation.
How much life insurance coverage do I need?
A common starting point is 10—12 times your annual income, but your real number depends on your specific situation. Key factors to consider include: outstanding debts (mortgage, car loans, credit cards), how many years of income your family would need to replace, future expenses like college tuition, and final expenses such as funeral and burial costs. Our agents can run a quick needs analysis with you to arrive at a number that actually makes sense for your family — not just a rule of thumb.
Health & Underwriting
Can I get life insurance if I have pre-existing health conditions?
In most cases, yes. Having a pre-existing condition doesn't automatically disqualify you — it just means we need to find the right carrier for your specific situation. Different insurance companies underwrite health conditions very differently. For example, one carrier may decline someone with well-controlled Type 2 diabetes while another offers them a standard rate. With access to 35+ carriers, we specialize in finding approvals and competitive rates for people with conditions like diabetes, heart disease, COPD, cancer history, high blood pressure, and more. Call us at 830-201-3153 and we'll tell you honestly what to expect before you ever apply.
Do I need a medical exam to get life insurance?
Not always. No-medical-exam policies are widely available and have become much more competitive in recent years. Many carriers now offer fully underwritten coverage without a physical exam — they use data from your prescription history, medical records, and a brief health questionnaire instead. No-exam policies are a great fit if you want fast approval, have mild health conditions, or simply prefer to skip the exam. We'll let you know which approach makes the most sense for your age, health, and coverage amount.
Can smokers or tobacco users get life insurance?
Yes, absolutely — and we specialize in finding the best rates for smokers. Tobacco use does affect premiums, but the difference between carriers can be significant. Some insurers are far more competitive for smokers than others, and some distinguish between cigarette smokers, cigar users, and smokeless tobacco users with different rate classifications. We know which carriers are most favorable for tobacco users and will match you to the right one. If you've quit within the past 1—3 years, some carriers may also qualify you at non-smoker rates — let us check.
I'm a senior — can I still get covered?
Yes. Seniors are one of the groups we serve most. While premiums are higher at older ages and some products have age cutoffs, there are excellent options available for people well into their 70s and 80s. Final expense insurance (also called burial insurance) is specifically designed for seniors — it offers smaller coverage amounts ($5,000—$25,000), no medical exam, and guaranteed or simplified issue approval. Whole life policies for seniors can also provide peace of mind that coverage will never lapse. We'll find the most affordable option that fits your health and budget.
Types of Coverage
What is term life insurance and is it right for me?
Term life insurance provides coverage for a set period — typically 10, 15, 20, or 30 years. If you pass away during the term, your beneficiaries receive the death benefit tax-free. If you outlive the term, the policy simply ends (unless you add a Return of Premium rider). Term life is the most affordable type of life insurance and is ideal for people who need substantial coverage during their working and child-raising years. It's a straightforward, budget-friendly way to make sure your family is protected while you're building wealth.
What is final expense insurance?
Final expense insurance, also called burial insurance, is a small whole life policy — typically $5,000 to $25,000 — designed to cover end-of-life costs: funeral services, burial or cremation, outstanding medical bills, and other final debts. It's permanent coverage that never expires as long as premiums are paid, and most plans don't require a medical exam. It's especially popular among seniors who want to ensure their family isn't left with unexpected bills during an already difficult time. Premiums are fixed and never increase.
What is Indexed Universal Life (IUL) insurance?
Indexed Universal Life (IUL) is a type of permanent life insurance that combines a death benefit with a cash value component tied to a stock market index — like the S&P 500 — without directly investing in the market. When the index goes up, your cash value grows (up to a cap). When the index goes down, your cash value is protected by a floor, typically 0%. This means you participate in market gains without the risk of market losses. IUL is often used as a tax-advantaged savings vehicle for retirement. It's a more complex product and isn't right for everyone, but for the right person it can be a powerful financial planning tool. We'll explain it in plain language and help you decide if it fits your goals.
Can I get life insurance for my child?
Yes, and there are good reasons to consider it. Child life insurance locks in coverage at a very low rate while your child is young and healthy — that coverage can follow them into adulthood regardless of any health issues that develop later. It also builds a small amount of cash value over time. Most child policies are whole life plans ranging from $5,000 to $50,000. Some parents also add a child rider to their own policy as a more affordable option. We can walk you through both approaches.
Cost & Rates
What factors affect my life insurance rate?
Your premium is determined by several key factors: age (younger = lower rates), gender (women typically pay less), health history and current health status, tobacco use, coverage amount, policy type and term length, family medical history, occupation and hobbies (high-risk activities may increase rates), and the specific carrier's underwriting guidelines. Two people the same age with similar health can receive very different quotes from different carriers — which is exactly why working with an independent broker like us matters. We shop across 35+ carriers to find the most favorable underwriting for your specific profile.
Is it cheaper to buy life insurance directly from a carrier?
No — going through an independent broker like us does not cost you more. Premiums are set by the carrier and are the same whether you buy directly or through a broker. The difference is that when you go directly to one company, you only see their rates. When you work with us, we compare 35+ carriers to find the best rate for your specific situation. You get more options at no extra cost.
Can I have more than one life insurance policy?
Yes. Many people carry multiple policies — it's a strategy called policy layering. A common approach is combining a large term policy (for income replacement during working years) with a smaller permanent policy (for final expenses or estate planning). You can also have policies from different carriers simultaneously. The key is making sure the total coverage amount is justified by your actual financial needs, as carriers will consider your existing coverage during underwriting.
The Process
How long does it take to get approved?
It depends on the policy type. No-exam term and final expense policies can be approved in as little as 24—48 hours using accelerated underwriting. Traditional fully underwritten policies that require a medical exam typically take 3—6 weeks — the exam itself is free and can be scheduled at your home or workplace. Once a policy is approved, coverage begins when you make your first premium payment. We'll set realistic expectations upfront so you're never left wondering where things stand.
What is a free policy review and should I get one?
A free policy review is exactly what it sounds like — we look at your existing life insurance policy or policies and tell you honestly whether you're getting good value. Many people are overpaying for coverage they don't need, underinsured for their actual situation, or still carrying a policy that no longer fits their life stage. There's no obligation and no pressure to change anything. If your current policy is great, we'll tell you. If we can find you better coverage at a lower rate, we'll show you exactly how. Call us at 830-201-3153 or email contact@quotesforlifeinsurance.net to schedule yours.
What happens after I request a quote?
After you submit a quote request, a licensed agent — Curtis or a member of our team — will reach out to review your options personally. We'll explain the quotes in plain language, answer any questions, and help you choose the right coverage. If you decide to move forward, we'll guide you through the application, explain what to expect during underwriting, and stay in touch through approval. We're not a call center — you'll work with the same person from quote to policy delivery.
Is my personal information safe?
Yes. We take your privacy seriously. Any information you share with us is used solely for the purpose of finding you insurance coverage. We do not sell your personal data to third parties. Our website uses industry-standard SSL encryption, and all data handling is covered under our Privacy Policy. You can also review our California Privacy Notice and Washington Privacy Notice for state-specific rights.
Still have questions?
Call or email Curtis directly — no bots, no call centers.
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