Many of our clients are looking for permanent life insurance quotes. They want to make sure that their policy is there for them when they need it the most. Most insurance companies today sell universal life insurance policies that are guaranteed for life, but have very little cash value accumulation if any. Some of our clients would prefer to have some cash value in their policy just in case they need to cancel their policy in the future. There are a few companies that do offer some type of return of premium feature on their guaranteed universal life insurance policies. These return of premium features allow policyholders to reclaim a large portion of their premium payments and can help you put your mind at ease about purchasing life insurance. These return of premium riders or liquidity riders are included automatically at no cost when you purchase a qualifying policy. The refund percentage schedule is determined by issue age, health class, amount and timing of premium payments and face amount. To get a universal life insurance quote with the return of premium rider please call us at 1-888-950-TERM. Not all policies will be eligible for this rider. Call for details.
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