Clients want options when it comes to life insurance. The want to know that they can get their money back if they no longer need the coverage and have the choice of whether to cash out or keep their policy in force. The policies that do this the best are Return of Premium (ROP) policies.
We have a variety of products that give clients these choices. We offer both term and permanent products with automatic and fully guaranteed return of premium options. Most products offer return of premium in a specific year or years of the policy.
As their advisor, selling a policy with return of premium gives the client the potential to access a guaranteed lump sum of money in the future, and gives you more opportunities to do planning and write additional business down the road.
Every policy is unique, so let the life experts at Wholehan Marketing discuss your next return of premium case.