How Does Return Of Premium In Life Insurance Work? 
That is a great question ! These policies are about as close to a `` no lose '' policy as you can get . The way they work is that the term policy that you purchase has a built in expense that guarantees that when your policy reaches it 's end date , that you can get back most of the premiums that you paid into the policy over its life . They deduct a fee , usually , and send you a check for the rest . Not a bad deal ! Thanks for asking ! 