No Lapse Guarantee1 The policy is guaranteed to remain in force
during the first five policy years if the total
premium paid (less withdrawals and indebtedness) is at least equal to the
cumulative monthly no lapse
premium required.
Unlike regular term policies, return of
premium term life insurance rewards you for keeping the policy by giving a guaranteed return of your total
cumulative premium paid on the policy
during the level term period, not including substandard (extra charges for health) and rider charges (extra benefits such as disability coverage), if any, which will be paid to the policy owner at the end of the level term period if the policy is then in force.