For over a decade, Burial Senior Insurance has helped seniors and families nationwide plan ahead with honest, affordable final expense coverage — no medical exams, no waiting periods, and no pressure. Our licensed agents guide you to the plan that fits your budget and your family’s needs.
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Return of Premium (ROP) term life insurance combines the high coverage limits of a traditional level term policy with a guaranteed money-back feature. If you outlive your selected policy term (such as 20 or 30 years), the insurance company refunds 100% of the money you paid in monthly premiums—completely tax-free.
It acts as a forced savings mechanism alongside full life insurance protection. If the unexpected happens during your term, your family receives the full death benefit. If you survive the term, you get every single dollar of your paid premiums returned to you.
Protect your loved ones during your primary financial years without feeling like you “wasted” money if you outlive the policy.
Receive a lump-sum refund of every premium payment made at the end of the term.
Monthly premiums stay locked from day one and never change.
Beneficiaries receive the complete policy payout if death occurs during the term.
Under current tax rules, returned premiums are treated as a return of capital and are completely tax-free.
Many ROP policies offer partial cash value surrender options if canceled early.
Provides a guaranteed cash payout at retirement age or policy completion.
Explore term lengths tailored to match your major financial horizons and retirement plans.
Ideal for adults in their 30s or 40s raising children or paying down a mid-length mortgage with a guaranteed cash payout in 20 years.
The ultimate long-term plan for young homeowners and family builders who want 30 full years of protection and a massive cash refund at retirement.
A hybrid policy allowing you to convert your term into permanent coverage or choose partial return options if your financial goals shift.
Ideal for disciplined budgeters who want full protection with guaranteed financial return.
Families wanting life insurance that doubles as a guaranteed future nest egg.
Buyers who want their entire mortgage insurance investment refunded after 20 or 30 years.
People who dislike "losing" term insurance payments if they outlive the policy.
Career-builders looking for guaranteed long-term forced savings options.
Individuals structuring a lump-sum tax-free payout right when they reach retirement age.
Partners needing key person coverage with an eventual return of business capital.
Traditional term life insurance is often called “renting” coverage because if you outlive the policy, the insurer keeps all your monthly payments. Return of Premium (ROP) insurance eliminates that loss by guaranteeing a 100% refund of all paid premiums if you survive the policy term.
While monthly ROP rates are higher than basic term insurance, every extra dollar spent is returned back into your pocket. Think of it as a forced savings account backed by a multi-million dollar safety net for your family.
Distinct features engineered for peace of mind, budget recovery, and financial security.
Full refund of base premiums paid, received completely tax-free.
Beneficiaries get the death benefit, or you get your money back.
Your monthly payments will never increase during the term.
Many policies build partial cash surrender value after 5–10 years.
Option to convert into permanent whole life coverage if needs change.
Receive tens of thousands of dollars back at term expiration.
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Simple steps to lock in your money-back life insurance policy today.
1
Choose your coverage amount (e.g., $500,000) and term length (20 or 30 Years).
2
Fill out standard health details online or over the phone.
3
Enjoy fixed level payments while your family is fully protected.
4
Outlive your policy term and receive a single tax-free refund check for all paid premiums.
Estimated monthly payments and guaranteed end-of-term refund amounts for healthy non-smokers.
|
AGE
|
FEMALE MONTHLY RATE
|
MALE MONTHLY RATE
|
GUARANTEED 20-YR REFUND (FEMALE / MALE)
|
|---|---|---|---|
|
25
|
$42/mo
|
$52/mo
|
$10,080 / $12,480
|
|
30
|
$50/mo
|
$63/mo
|
$12,000 / $15,120
|
|
40
|
$88/mo
|
$112/mo
|
$21,120 / $26,880
|
|
50
|
$195/mo
|
$255/mo
|
$46,800 / $61,200
|
Sample rates represent preferred health tiers for 20-year ROP term plans. Guaranteed refund amounts assume all regular monthly payments were completed for the full 20-year duration.
We help you compare top return of premium carriers to ensure your money-back guarantees are 100% secure.
Partner exclusively with A-rated insurance companies with proven payout track records.
Compare standard term vs. ROP term side-by-side to evaluate exact return on investment.
Clear explanations with zero hidden fees or misleading clauses.
Accelerated digital setup with rapid approval options available.
Start with a few basic details — takes less than a minute.
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Answer a few quick questions and one of our licensed agents will help you compare real quotes from top-rated carriers — no obligation, no pressure.
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No. Under current IRS guidelines, the money returned to you at the end of an ROP term policy is considered a refund of your original payments (return of capital), making it 100% tax-free.
If you cancel early, most carriers will refund a pro-rated percentage of your premiums based on a schedule in your policy (cash surrender value), though you only receive the full 100% refund by completing the full term.
ROP insurance costs more because the insurance carrier must set aside capital to guarantee your 100% refund at the end of the term in addition to providing death benefit coverage.
If you pass away while the policy is active, your beneficiaries receive the full death benefit (e.g., $500,000) tax-free. The death benefit replaces the premium refund feature.
Yes! Most ROP term policies include a conversion rider, allowing you to convert your coverage into a permanent whole life policy before a specified age without taking a new medical exam.
Burial Senior Insurance provides information and services related to burial insurance for senior citizens, including policy options and end-of-life support services.
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