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Furthermore, you only get the premium back, so you lose any additional returns you could have made had you invested your money elsewhere.On the surface, this seems like a pretty good deal, especially if you are young and in good health. However, if you’d rather invest the extra money you would have paid in a retirement account, it probably makes more sense to go that route.Given the issues listed above, a number of financial advisers tend to advise against buying ROP. ROP (Return-of-Premium) life insurance is term insurance that returns either a portion or all of the premiums paid at the end of the term if the insured is alive. This occurs for a few different reasons. Ultimately you’ll have to make the decision that’s right for you. After about half the term has passed, a portion of the premiums may be returned if the policy is dropped early. Return of premium (ROP) is a type of life insurance policy that returns the premiums paid for coverage if the insured party survives the policy's term, or includes a portion of the premiums paid to the beneficiary upon the death of the insured. An evaluation of the screening for retinopathy of prematurity in very-low-birth-weight babies at a tertiary hospital in Johannesburg, South Africa In our scenario, I am using a 30-year-old male, assuming he is in excellent health. Return of premium life insurance is a type of term life insurance, meaning it’s a policy that lasts a set period of time and then expires. Those of us who take pretty good care of ourselves may see this type of life insurance as a bonus.If you dislike that paying for traditional life insurance can get you nothing in return, you might want to consider ROP. Knowing about all the pros and cons associated with these policies can help you determine if it’s worth it.For one, ROP policies tend to cost approximately 30% more than traditional life insurance. Retinopathy of prematurity (ROP) is known to be an important cause of visual impairment and blindness in the surviving premature population. smartasset.com/life-insurance/what-is-return-of-premium-rop-life-insurance What does ROP stand for? For example, a $1,000,000 policy bought for $10,000 a year over a 30-year period would result in $300,000 being refunded to the surviving policyholder at the end of the 30 years. Define ROP at … Return of Premium (ROP) scheme is a kind of Term Insurance plan which have features similar to Pure Insurance plan but with additional benefits. In some instances, where a contracted rate of return was 5.0 percent, the "short rate" proved to be 3.5 percent, but this fact was seldom, if ever, disclosed to the insured during the agent's "sales pitch".When a party who is covered by any life insurance policy lives past the term of the insurance, the premiums paid for the traditional term policy are considered spent money for the "risk" that never occurred. For many people the primary benefit of a standard term policy is that it is not expensive.