Peace of mind - and more: ROPTerm by American General

Whether your client's goal is to ensure income replacement, debt liquidation, or a college fund in the event of a premature death or otherwise protecting their family should something happen to them, ROPTerm (Return of Premium Term) offers you the best of both worlds - solid protection for as long as you need it, followed by a full refund.

Highlights of ROPTerm:

• Return of Premium
  The cumulative premiums paid will be returned to your client at the end of the policy's level-premium period.*
• Choice of Terms
  With ROPTerm, your client can select a level-premium period, to suit their financial needs and goals - 15, 20, or 30 years.
• Level Premiums
  Your client's policy premiums are guaranteed to remain level throughout the level-premium period.
• Full Convertibility
  Your client has the option of converting your ROPTerm policy to a permanent life insurance policy, up to the earlier of the end of the level-premium period or age 75.
• Terminal Illness Endorsement
  In case of a terminal illness diagnosis, your client would be eligible to receive an accelerated death benefit equaling the lesser of $250,000 or 50% of the policy death benefit.

Sample Rates:

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