Return of Premium is attached to the policy.
Return of premiums (ROP) is a type of term life insurance policy that provides a death benefit to your beneficiary if you die during the term of the policy, but refunds the premiums you paid. closed if you survive the term of the contract. With a standard term life policy, you won't receive any payments if you survive the covered term. You'll pay more for ROP coverage than a regular term policy, but it can be a way to force you to save money that you can recover later. For many people, a better idea is to buy futures and invest the difference, if they are disciplined enough to do so.
coverage isn't offered by many companies, so we've created this list to guide you. When researching ROP policies, we considered many of the same factors we evaluate for other types of term insurance: passenger availability, customer service, medical examination requirements, the financial strength of the business and the number of different terms available.
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