Zero Cost Term Insurance vs Return of Premium Insurance

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Zero cost term insurance is a type of term life insurance policy that does not require the policyholder to pay premiums. Instead, the policy is funded by investment returns earned on the policy's cash value. When the policy matures, the policyholder can either receive the cash value or continue the policy with no further premium payments required.

Return of premium (ROP) term insurance is a type of term life insurance policy that returns all of the premiums paid by the policyholder to the policyholder if the policy reaches its end date without a claim being made. This means that if the policyholder outlived the term of the policy and did not need to use the life insurance coverage, they would receive a refund of all of the premiums they had paid.

Both zero cost term insurance and ROP term insurance can be good options for people who are looking for a temporary life insurance solution but want the potential for some kind of return on their investment. However, it is important to carefully consider the terms of these policies and how they compare to other types of life insurance before making a decision.

00:00 Introduction
00:40 Last week giveaway winners
02:26 What is Zero Cost term insurance plan?
04:15 Difference between zero cost & Plain term plan
04:41 Return of Premium term insurance
05:20 Difference between zero cost to return of premium
09:31 Comparison with example
10:12 Conclusion

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