You buy a 30 year term return of premium life insurance policy, you'll need to pay on it for 30 years to get the full premium back. (lifeinsurancebyjeff.com)
Monthly premiums for return of premium term policies are usually much higher than for term policies without the repayment feature. (term-life-online.com)
Although similar in some ways, there are differences between term life insurance with return of premium policy over standard term life insurance. (secureseniorlifeinsurance.com)