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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

Return of Premium Life Insurance

Temporary life insurance for a specified period of time with a return of premium benefit. If the insured dies within the term period, a death benefit is paid to the named beneficiary.

If the insured is living at the end of the term period, the policyowner will receive the full ROP benefit. The full ROP benefit is on the base policy and return of premium rider only. Premiums paid on optional riders will not be returned.

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

Click here to have a D.A. White & Associates representative get in contact with you regarding your policy options.

ULTRA Value Term ROP (15, 20, or 30 Year) (Policy form ELP240 and Rider Form ELR247):
Minimum death benefit $50,000. Guaranteed premiums for selected coverage period of 15, 20, or 30 years. Issue ages 18- 75. Ideal for mortgage payment/protection, college funding, or pure term alternative. The Return of Premium benefit can also be applied as a single premium to purchase a paid-up whole life insurance policy. All premiums paid, regardless of mode, are returned if the insured is living at the end of the term period and the policy is in force. Preferred rates available.

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