If you don't like what they say, you can drop your policy and sometimes receive a full refund of the premium you paid if you haven't filed any claims. (petinsuranceguideus.com)
The concept is simply get a full refund of all premiums paid if you live through your term period. (paramountlifeinsurance.com)
Instead, their beneficiary will receive a full refund of the premiums paid into the policy plus 10 % interest. (termlifeadvice.com)