Return of Premium
Life Insurance Policies
Protect your family with a policy you can trust…
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Benefits of Return of
Premium Life Insurance
- Premiums for unused policies refunded entirely at end of term
- Policy provided through EMC National Life, an established and trusted company
- Death benefits paid tax free to your loved ones in the event of a tragedy
Policies and Services
Return of Premium
Life Insurance
Return of Premium (ROP) life insurance pays you the full amount of the policy if you die during the policy term, but unlike other kinds of insurance, gives you all your premiums back if you do not die during the term period.
We've lost count of how many death claim checks we've delivered to families over the years.
Not one of them thought that their loved one was over-insured.
-Dennis White
Managing General Agent
Other Life Insurance and
Annuity Products
In addition to Return of Premium life insurance, D.A. White offers several other life insurance and annuity products. Click on the learn more button below to learn about your other options.
You can Count on EMC National Life Company for the financial strength necessary to protect what you have worked so hard to achieve.
Click on the button below to read more about EMCís longevity and integrity.
FACTS ABOUT LIFE
- Many U.S. families are not prepared for premature death
- 22% of families with dependent children admit they will have immediate trouble meeting everyday living expenses, and another 26% can cover expenses for only a few months, if a primary wage earner dies.
- 28% of wives and 15% of husbands have no life insurance at all.
- 10% of families with children under 18 (3.6 million households) have no life insurance protection
- 56% of married couples with children under 18 believe they need additional life insurance.
- At least half of parents in the U.S.say they don’t have enough life insurance.
- Married women in the U.S. average only 63% as much life insurance protection as married men.
*All facts are from LIMRA International’s life insurance consumer studies.