Want to know if Return of Premium Term life insurance is a potential fit for you?

Take this quick self-assessment to help you explore if life insurance with a money-back feature might match your goals and preferences.

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Do you currently have loved ones who would be impacted financially if your income were no longer available?

Illinois Mutual’s Return of Premium (ROP) Term Life Insurance provides a death benefit while the policy is in force.

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When making financial decisions, do you prefer options that offer a known outcome—like payments that remain the same (level payments) or guaranteed benefits?

ROP Term Life offers guaranteed level premiums during the initial term period and 100% of returnable premiums paid back to you as an endowment benefit when the initial term period ends if the policy's terms have been met. The maximum returnable premium is the sum of the annual premiums through the initial term period. Returnable premium does not include additional premiums paid for riders, rated policies, policy fees and modal administrative fees. The endowment benefit is reduced by any policy debt.

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Are you planning for major financial milestones over the next 20–30 years, such as paying off a mortgage, raising a family or saving for college?

ROP Term Life is available in 20-year, 30-year or To Age 65 terms, offering protection through significant life stages.

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If you purchase life insurance, would it be important to you to feel like you're getting value from your premiums—even if the death benefit is not used before the initial term period ends?

Some people like that ROP Term Life provides the possibility of money back at the end of the initial term period—unlike traditional term insurance.

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If you purchase life insurance, would it be important to you to feel like you're getting value from your premiums—even if the death benefit is not used before the initial term period ends?

Illinois Mutual’s ROP Term Life is available for individuals ages 18–60 (if you are not a tobacco user) and up to age 55 (if you do use tobacco) for 20-year terms. For a 30-year term period, the available ages are 18-50 (non-tobacco) and up to age 45 (tobacco). We even offer a To Age 65 term for ages 18-45 in many states.

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Note: This quiz is intended for educational purposes only and does not constitute legal, financial or tax advice. Please speak to a licensed attorney or insurance professional for guidance on your specific situation.

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