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How is it possible to get all the premiums back at the end of term of insurance coverage?

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How is it possible to get all the premiums back at the end of term of insurance coverage?

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Many insurance companies offer as part of Critical Illness policy an additional rider to the basic plan called Return of Premiums Option. Plans with ROP would see you get a portion or all your premiums paid when the term is fulfilled (less any amount that may have already been paid out).

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