A single home insurance claim could easily surpass the total amount of premiums you have paid in over the years, even long after the home has been paid off. (usinsuranceagents.com)
Some policies advertise that «the benefit will never be less than the total premiums you've paid for each life insured». (insurancelaw.org.au)
You can withdraw earnings on your cash account free of taxation up to the amount of premiums you have paid into the policy, i.e. your basis. (insuranceandestates.com)