The premiums for return - of - premium policies are considerably higher than premiums for standard term policies. (lifehappens.org)
The good news is that prices are very affordable and not all that much more than what you would pay for an equivalent standard term policy. (abramsinc.com)
This company does focus heavily into the permanent life insurance market (whole life and universal life) but also offers standard term policies. (truebluelifeinsurance.com)