You can add on a return of premium rider on some critical illness insurance policies. If you add a return of premium rider, your policy works just like a normal policy - you pay the monthly premiums and the policy coverage continues. If a covered critical illness occurs, the policy pays out. However, with a return of premium rider, an insurance provider pays back a portion or all of the premiums under certain circumstances, such as if no claims have been made when the policy expires or the policyholder dies.  This policy option is rare in Canada but is notably available with Sun Life's critical illness insurance.