What Is ROP Life Insurance? 
ROP life insurance stands for Return of Premium life insurance . ROP life insurance will return the premiums that you paid , if you hang onto the policy to the end of the term . Some policies will return part of the premiums if you keep the policy a certain number of years -LRB- usually at least half the term length -RRB- . If death occurs before the term ends , the policy pays the normal death benefit . 