Can I Get Money From My Term Life Insurance Policy? 
Term Life Insurance has come a long way from days past when it just paid you a death benefit to your heirs when you passed . Today , besides having the death benefit , you can design your term life policies to give you access to the death benefit if you have a covered Critical Illness or Chronic Illness along with Terminal illness too . This gives you some flexibility during these hard times . Having the Return of Premium rider on there is another option , basically giving you free insurance if you keep the policy to the end of the term . Generally speaking , the return will be equal to 4-8 % if you were to invest the difference . It all depends on your age , the amount of premium and the length of time you have the policy . Talk to a Broker to discuss what makes the most sense to meet YOUR needs . 