Insurance premiums are not forfitted. Is that a lie? I have heard insurance promises and offers from marketers stating that the insurance premiums paid are not forfitted and will be returned in full 100%. So I will get free protection from the insurance company. Not many insurance companies are able to calculate premium payments and return the full premium 100% to the insured. Of course, the insurance company will impose strict terms and conditions when it wants to return 100% of the premium to the insured. I have termed life insurance by paying premiums for five years and if there are no claims and regular premium payments are not late, then I will receive the premiums for those five years back. Yes, five years protection free. However, there are also general insurance companies that offer motor vehicle insurance premiums paid by the insured to be returned in full when the contract ends. Of course, once again, there are several terms and conditions that apply. So if you receive any insurance offer with the promise that the premium you paid will be returned in full, don't immediately believe it. This could be a trap or a lie if they don't explain how the concept of this insurance works and what terms and conditions apply. Ask for everything to be put in writing and confirmed in the insurance policy. Because once again, the tongue has no bones and all the marketers' words evaporate into thin air. It will be difficult to prove when a dispute arises in the future. Again, have everything in writing and understand and exactly what you will be paying for.