When Return of Premium Actually Makes Sense

When Return of Premium Actually Makes Sense  Return of Premium (ROP) features in insurance often get criticized, and sometimes for good reason. They are frequently misunderstood, oversold, or positioned as “free money.” That said, ROP is not inherently bad. In the right situation, and with the right expectations, it can make sense. The key [...]

When Return of Premium Actually Makes Sense2026-01-24T14:42:21-05:00

Return of Premium on Critical Illness Insurance: When It Helps and When It Hurts

Return of Premium on Critical Illness Insurance: When It Helps and When It Hurts I recently came across a situation that perfectly highlights how confusing Critical Illness (CI) insurance can be, especially when Return of Premium (ROP) is involved. Someone was advised to cancel an existing CI policy, take a sizeable ROP payout, and [...]

Return of Premium on Critical Illness Insurance: When It Helps and When It Hurts2026-01-13T12:54:46-05:00
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