Return of Premium- Give Your Clients Options

Jack Nachtrab
Life Insurance Consultant

Clients want options when it comes to life insurance. They want to know that they can get their money back if they no longer need the coverage. As their advisor, selling a policy with return of premium gives the client the potential to access a guaranteed lump sum of money in the future, and gives you more opportunities to do planning and write additional business down the road using a lump sum of cash.

We have a variety of products that give clients these choices. We offer both term and permanent products with automatic and fully guaranteed return of premium options. Most products offer return of premium in a specific year or years of the policy.

Every policy is unique, so let the life experts at Wholehan Marketing discuss your next return of premium case.

Recent Posts

An LTC/Annuity Hybrid Worth Discussing

The LTC hybrid market has undergone changes with new products being introduced, price adjustments, and rate increases. One particular product demanding attention blends an annuity and LTC together; below are some highlights: A+ Rated Carrier Current fixed interest...

Challenges and Opportunities for Securing Life Insurance in 2025

The life insurance industry continues to adjust to the challenges of life insurance in 2025; such as advanced technology, faster underwriting and policy issuance, greater customer expectations, and attracting the upcoming generation. Millennials and Gen Z are becoming...

Securing Your Retirement with Annuities

David Bollinger Annuity Sales Consultant Many Americans aren’t saving enough for retirement, with some saving nothing at all or starting too late. Even higher-income earners often struggle to save. As a result, many retirees are running out of money, relying on...

Quick Tip for Addressing Long-Term Care with Clients

Cody Smith Life Insurance Consultant As a financial professional, it is very important to take a realistic approach when having a conversation with your clients about long-term care insurance. Most people know they need to talk about it, but the general lack of...