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Return of Premium Term Life Insurance

Announcing the term life insurance plan that can return your premiums!1

Our licensed life insurance professionals can provide you with easy to understand information to help you discover if this policy is right for you. There is no cost or obligations.

Simply call
800-586-3072
to learn more!


When we buy life insurance, most of us hope our families won’t see the day when they will need it. And that’s what makes this term life insurance so special.

It guarantees your family a death benefit if you’re suddenly taken from them. But if you’re not, American General Life pays you back the amount you paid in premiums. If you keep the policy in force, you collect whether you live or die.


The best of two worlds: protection for loved ones and a nest egg
It’s affordable. And it’s underwritten by American General Life Insurance Company - a company you know will be there when your family needs it.
Request a free Return of Premium Term Life Insurance quote now!
Return of Premium Term Life Insurance offers these benefits:

- Solid coverage for the term you select
- 15 year term life insurance
- 20 year term life insurance
- 30 year term life insurance

- A fixed monthly premium that does not change during the selected term, even as you get older or if your health declines.

- Guaranteed full benefits to your loved ones if you should die. The money can be used to cover income replacement, household expenses, taxes, debts or dreams such as college tuition.

- Guaranteed to return an amount equal to the premiums you paid when the term ends, if you are still living and you’ve kept the policy in force.
Why haven’t I heard of return of premium term life insurance before?
Not every insurance carrier offers this type of policy. American General Life began offering a return of premium term life insurance policy in response to customers looking for solid coverage including a death benefit, plus the opportunity to have their premiums returned to them to use and enjoy at the end of the policy term.
A term life insurance policy that can return premiums? Is there a catch?
There is no catch. Return of Premium term life insurance is a different type of term life insurance policy. Assuming your policy is paid up and in force, your loved ones will receive full benefits should you die. And if you are still alive when the term ends, American General Life pays you back the amount you paid in premiums.
Why wouldn’t everyone choose Return of Premium term life insurance?
Not every carrier offers a policy that can return your term life insurance premiums. As a result, many people have never heard of this type of policy. Secondly, some people simply want a basic, affordable term life insurance policy. And for others, it doesn’t fit their situation, needs or budget. Insurance coverage is a highly personal decision. Our licensed life insurance agents can provide you with information at no cost to help you decide what is right for you and loved ones.
Request a free Return of Premium Term Life Insurance quote now!
  1 AG ROP Select-a-Term accumulates a cash value that starts no later than the fifth policy year. At the end of the level term period, the cash value of the in force policy provides an endowment benefit equal to the total of cumulative premiums paid, less any charges for substandard ratings, riders and any outstanding loan balance. If your needs change and you surrender the policy, or convert it to our permanent insurance, you will receive the cash value that has built up in relation to the age of the policy, minus any outstanding loan balance.
Policy issued by: American General Life Insurance Company 2727-A Allen Parkway, Houston, Texas 77019. Policy Form Number 06001. The underwriting risks, financial and contractual obligations and support functions associated with products issued by American General Life Insurance Company (AGL) are its responsibility. American General Life does not solicit business in the state of New York. Policies and riders not available in all states.