Return of Premium Term Insurance

Term Insurance is designed to offer coverage for a fixed amount of time (10, 15, 20 and 30 years) to cover things like your Mortgages, Bills and Family Members. With regular term insurance if you out-live your coverage, you get nothing back. With Return of Premium Term Insurance, if you out live it, you will get 100% of your money back. You have nothing to loose.

Let us explain how Return of Premium Term Insurance works. It's like leasing a car. You get to enjoy the car for the lease period, and you make payments each month, on the lease. At the end of the lease, you give back the car that you got to use and you walk away. With Return of Premium, when you return the leased car, you receive all of the money you have given the car company back. Basically, you were able to use the car for free during the term period.

Let us explain it to you in another way. You rented a home from your landlord for 20 or 30 years. Finally you decide that it is time for you to move out and purchase your own home or rent another home. You move out, and your landlord gives you every penny that you have given him, to go towards the purchase of a new home, or any other need that you have at the time.

You get to use the protection and insure that your mortgage or children living at home are protected, and when you are done using the protection, you receive all of your money back.

If you do not have this new modern type of Term Insurance, then please allow us to help you add this product to your protection plan. We offer several Life Insurance Companies Return of Premium Term plans to insure that you get the best choice. Allow us to help you get the best protection and return you all of your money after the term period is over.

To Request More Information Click Here

We also offer:

Return of Premium Accidental Death Benefit Coverage through United Home Life Insurance Company.

Do you know anyone that needs Accidental Death Benefit Coverage?

Are you or anyone you know

Are you worried about if you or your husband will get into an accident?

If something happened to your husband or you, would your family be able to maintain their current lifestyle?

Please check out United Home Life’s new Accidental Death Benefit Coverage.

You can get $100,000 day one coverage for only $22.79 a month or $245 a year.
Our Accidental Death Benefit Coverage features the following

* Guaranteed level premiums for 20 years; guaranteed renewable protection to the policy anniversary nearest your 95th birthday
* A Return of Premium feature(1) that returns 20 annual premiums at the end of year 20
* A guaranteed face amount increase each year, doubling over the 20 year period
* Available for ages 18 through 60; same rates apply regardless of tobacco use, age or sex
* Guaranteed issue(2) if you have a good driving record and are not involved in hazardous avocations

The following are examples of activities for which you would be declined: Aviation, scuba diving, sky diving, auto/motorcycle racing, rodeo and mountain climbing.

(1) This policy provides guaranteed cash values; the cash value at the end of the 20th policy year is equal to 20 times the annual premium, regardless of the mode premium paid. You would get back $4,900.00.
(2) The Policy will be issued if the following question can be answered “no” :

In the past 3 years, have you had any participation in, or contemplated any future participation in any hazardous sport or aviation, or had our driver’s license suspended or revoked, or in the past 5 years have you been convicted of operation a vehicle while intoxicated?

This offer is only available to residents in Georgia.
Click here to download the state of Georgia application.
Click here to download the Customer Brochure
Call Mark or Leslie Rosenthal if you have any questions at
1-877-968-5757 or 770-968-5757
Or fax the application back to 770-968-2657