​ Life Insurance with
​Return of Premium
​ No Medical Exam

Protect your family from the unexpected with Return of Premium Life Insurance. Speak with our licensed specialists to learn more about your options today!

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             

Plans from $25,000 to $10,000,000 in coverage. 
Plans with Guaranteed and Simplified Acceptance are available.

Why Get A Quote from Us?

Hassle Free​

Fast and Simple Process On your Return of Premium Plan

Convenient

We are a full service agency that can handle all of your insurance needs

​Save Money​

We provide the best service at the
​lowest price.

Call Us! ​(855) 855-2522

What is  Return of Premium Life Insurance?

Term life insurance is only valid for a specific period of time, and once the timeline is over, you lose coverage, and your premiums are gone. Fortunately, it is possible to purchase a specific type of term life insurance coverage that won’t leave you empty-handed when your policy expires. With return of premium (ROP) life insurance, you’ll pay a flat rate for the duration of your policy and get all your money back at the end of the term.

​Request a no obligation Quote Today, by filling out the form on the left. ​Coverage is more affordable than you think.

About QuoteToday.com

QuoteToday is committed to providing you with the best, low cost life, disability, and LTC insurance rates, all from the top “A” rated insurance companies. We work hard on your behalf so that you’ll always receive the best coverage at the lowest price saving you time and money buying low cost life insurance. If you are currently insured, we can help you save money on your insurance premiums.

​If you're not thrilled with your current insurance contact us today. 

Client Testimonials

"I have worked with Quote Today, and their advisors and the best part is how much time they took to truly educate me on the options I have available to secure the best option for my budget. Now I know my children will be taken care of when that time comes." 
​
- Janice, Florida
"I was declined for insurance coverage in the in the past due to some medical issues. The Quote Today team got me approved!! Thanks as I did not think I would be able to get the coverage I needed."
​
- Martha,  Mississippi
​"Easy Process.. I filled out the form for a quote and received a call within 5 minutes. They asked me a couple questions and gave me a price, that was less than I expected. We did an application over the phone and I was approved the same day!!"
​
- Mat, California

Call Us! ​(855) 855-2522

Frequently Asked Questions

What Is Return of Premium Life Insurance?
Return of premium life insurance works almost exactly how the name implies. You can buy this coverage in various terms, usually 10 to 30 years, and you’ll pay a flat premium during that time. But your money doesn’t disappear once your policy duration ends. When your term life insurance policy ends, all the premiums you put into the policy will be paid back to you in a lump sum.

How Does Return of Premium Life Insurance Work?
Return of premium life insurance is a type of term life insurance that offers a refund of premiums paid. It is a standard term policy, with a death benefit and term length (typically 10 to 30-years). Premiums paid into the policy will be refunded to the insured if they outlive the policy. 

Can I Get My Money Back If I Cancel Return of Premium Insurance?
Yes. All life insurance policies are required to offer a free-look period for new policies. Clients can cancel at any time during this free-look period, for any reason, and receive a full refund of premiums paid. The free look varies by state, but is a minimum of 10 to 30 days.


Call Us! ​(855) 855-2522

Licensed in All 50 States

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