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Return of Premium endorsement

Learn how our Return of Premium endorsement gives clients access to part of their premiums when they need it.

Flexible design backed by the strength of our promise

This endorsement, available at no extra cost, allows clients to access cash when they need it most.
Flexible access to premiums
With this endorsement, clients have the option to access their premiums after year 10 if they need extra cash due to an unexpected life event.
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No added cost
This benefit is built into your client's life insurance policy without any additional fees.
Key features of our built-in endorsement

Issue ages: 18-85

Available on tobacco classes1: No

Ability for reinstatement: No

Availability of return of paid premiums: Any time on or after the 10th policy anniversary (25% returned) if the policy is fully surrendered

A financial professional reviews built-in endorsements with a client.

Unexpected events make the case for added flexibility

Sometimes the unexpected happens and your clients need access to extra cash. With a Return of Premium endorsement, their guaranteed income protection doesn’t have to begin and end with their death benefit.
A patient with an unexpected medical event uses their Return of Premium to help cover expenses that Medicare won't.
Unexpected medical event
Even with Medicare, not every medical issue or event is covered. When there’s an emergency, extra cash to cover expenses can help mitigate the crisis.
A client reading about market fluctuations on her laptop considers how her Return of Premium may help hedge against volatility.
Volatile market conditions
The market is unpredictable. Clients living off the interest of their investments may face restricted cashflow when conditions fluctuate and need a way to help hedge against volatility.
A couple meets with a contractor to discuss home repairs, but know they can use their Return of Premium to offset costs.
Spike in housing costs
A broken furnace, an electrical problem or other home improvement issue can eat into a client’s fixed income. Having additional cashflow can help weather the storm.

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We’re here for you

We’re ready to help you deliver the protection and security your clients deserve. Reach out to us anytime for questions and support, and we’ll get in touch with you as soon as possible.
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Welcome to Protective

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¹ An additional restriction on the Return of Premium endorsement for non-tobacco rate classes requires the insured to be "non-rated" or, if they are rated, a "Table 4" or better, or maximum flat extra of $5.

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