Return of Premium Life Insurance (Annual Premium)

Life insurance can be scary. However, it doesn’t have to be scary when you have someone you trust to explain the process to you.

Purchasing insurance policies only makes sense; therefore, it needs to make sense in your head, too.

Most people understand the necessity of having a life insurance policy, but those same people haven’t taken the time to schedule an appointment to set their family up for success in their absence.

One thing we do understand is that when a tragedy strikes and mama, daddy,, grandma,, or grandPapa left behind a life insurance policy to pay for their burial expenses that the family is relieved.

This a a huge obstacle that you don’t have to cross alone because they thought of you ahead of time.

of time. you prepared to dish out $12,000 unexpectedly.? Most people aren’t prepared for that.

So, if you’re not prepared to hand out $12k, then what are you going to do?

Your loved one can’t stay at the hospital. They can’t stay at the morgue. So, what will you do when your back is against the wall?

Decisions need to be made

Its embarrassing to have to ask for money to bury your loved one. Do you put your pride aside and ask anyway ?

If these people are older, you might start wondering “why didn’t they buy life insurance?”

If they are younger, you’ll think, “Oh, they were young, who knew they would die so soon.”

I could concoct so many different scenarios that we would be here for a long time.

One thing I do know is when something tragic happens and there is a life insurance policy and the policy pays off, we are extremely happy someone decided to forgo that extra necklace, pair of shoes, dinner out, nails, pedicure, cup of coffee, or new hairdo.

Likewise, we would be kicking ourselves if an unfortunate incident happens and we didnt purchase a policy.

I would hate for tragedy to strike and MY face to pop into your head. If you only would have purchased a policy when you first saw that Facebook or Instagram post, you wouldn’t be where you are right now.

Everyone should be prepaeed for uncertain times. And we ALL know by now — we live in uncertain times.



With (20 year) Return of Premium Life Insurance rider,, you can get back 100% of the money you put into your pocket. Yes ! You heard me 100% Return on your premium plus interest.

When you purchase a TERM policy from one of our A+ rated carriers, you will not lose a dime of the premiums you’ve invested all those years.

We want to earn your trust and your business. Most people purchase Life Insurance from people they know and trust. We want that to be our relationship.

Extra Benefits through the life of your policy

  • Premiums will never increase
  • Benefits will never decrease
  • The policy cannot be cancelled by the Company except for non-payment of premiums.


  • Face Amounts: 10,000- 50,000 Only
  • Issue Ages 20 – 60 (Non-Tobacco Users)
  • Issue Ages 20-45 (Tobacco Use within the past 12 Months)

Not available in all states. Contact us for restrictions

Return of Premium (ROP) is not available if policy lapses, is cancelled by owner, or if death benefit is paid out.

For more information please call us or send us in inquiry.

This is not a burial/funeral contract. (LS)

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