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Return of Premium is a Hot Topic and You Can Show it on Both Term and GUL!

Return of Premium = 100% on Term Life Insurance when the need for term life insurance ends. 
It's true, clients keep a policy for 15, 20, 25 or even 30 years while raising kids, working toward retirement or paying off a mortgage then they "give it back" and get 100% of their premium back. 
It's that simple. 
After all, it's just not fair to pay for something and not use it!  This type of product provides a person's "safe space" when it comes to life insurance! (-:

Guaranteed Return of Premium Built in on Guaranteed Universal Life! 
You read it correctly.  We have Three top carriers offering built in return of premium riders on their GUL contracts.  By running a full illustration you can "see" the value of using these carriers for your clients.  "We" never know when needs will change and with GUL there simply isn't the type of cash value that you see with IUL or WL.  When it doesn't cost more than a GUL without the ROP why not show it?  We can help you! 
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Copyright 2021, Insurance Perspectives.