With the optional Return of Premium Rider, the policyowner can receive a refund of all the premiums paid. It is payable at the end of the initial term if the policy is terminated for reasons other than the insured's death. With ths rider in place, you have the assurance that your family is protected if something happens to you, and you minimize your risk of paying for coverage you never use.

This rider is available for the following terms and issue ages:

• 15-year guarantee : 18-65
• 20-year guarentee : 18-60
• 30-year guarentee : 18-50

Consider the following example:                                                              
RISK CLASS : PREFERRED NON-SMOKER

AGE / SEX	RATING	AMOUNT	TERM	PREMIUM*	REFUND
35 / MALE	PREF NS	500,000	30 YRS	$77.89	$28,040.40
35 / FEMALE	PREF NS	500,000	30 YRS	$64.56	$23,241.60
45 / MALE	PREF NS	500,000	30 YRS	$168.68	$60,724.80
45 / FEMALE	PREF NS	500,000	30 YRS	$119.12	$42,883.20

*Premium are based on monthly rates. Current as of April 10, 2006.

For more complete and comrehensive information on how you can apply for term insurance with Return of Premium Rider, please contact us, or if you would like to get an instant quote and apply for application online, please go to Return of Premium Term Life Quotes.

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