Insurance Brokerage From Top Rate Companies

Insurance Brokerage America offers spreadsheet quotes from most of the top rated life insurance brokerage companies and pays general agent commissions! Are you a licensed agent wanting to earn general agent brokerage commissions from most of the top rated brokerage companies?  Learn More About This Brokerage Opportunity >>


Return Of Premium Term Life Insurance

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Return of premium term life insurance- What Is It?

Return of premium life insurance is a type of term life insurance policy that returns all premium paid when the term period ends.  If death does not occur, the policy returns the premiums you have paid for coverage over that fixed term period.  For example, a $500,000 policy bought for $25,000 on a 30 year term period would result in the $25,000 being refunded to the policyholder.

Return Of Premium Rider vs. Regular Term Insurance

This illustration shows the cost difference between purchasing regular term life insurance vs. one term life insurance with a return of premium rider.

A 30 year old male, assuming he is in excellent health.   We are quoting a 30 year old male for a 30 year term life policy with a $500,000 face value amount.   Without the return of premium rider, the annual premium will cost approximately, $360 per year for a total of $10,800 premiums paid over the 30 year period.   By adding the return of premium rider, the premium jumps to $590 per year, for a total outlay of $17,700.  That’s a total difference of $6,900 premiums paid ($230 per year) or a 63.88% increase.  The break even point between the higher cost of the return of premium policy verses investing the difference is about 6%. So it is a very good deal.

Insurance brokerage companies that offer return of premium term life insurance:


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Get The Best Term Life Quote
For Your Client

Insurance Brokerage provides you with the latest technology to search for the best term life insurance quote for your client-

Our brokerage spreadsheet quoting system allows you to examine "by underwriting class" all of our top companies as they apply to your specific client needs.

Download top company life insurance quotes -

Get appointed with the company that best suits your clients needs-

Download top brokerage appointment forms-

Get a state specific term
life insurance application-

Insurance brokerage affords the agent an easy way to access all of the forms for all of our companies.

Request state specific brokerage life application forms-

Mail completed forms to -

  Insurance Brokerage America

  National Marketing
  P.O. Box 30248
  Charleston, SC 29417
  800-406-6303     843-769-9804 fax

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A Tale Of Two Agents

Captive Agent

An agent working exclusively for a single firm. He or she is obliged to submit business only to that firm, or at least give that firm first rights of refusal on the case.

Captive agents that are non-established are usually paid on a combination of salary and commissions earned from selling the policy contract. Also, the firm usually provides its captive agents with an allowance for office expenses as well as employee benefits such as pensions, life insurance, and health insurance. 

The established captive agent is usually paid exclusively on a commission basis.  This type of agent will tend to have more in-depth knowledge of that firm's policies, however, he or she will hardly ever be equipped to offer the industries' best price on any particular product offering.

Independent Agent Broker

Simply said, independent agents are appointed to sell policies from many insurers. The agent is independent from all insurers thus, the independent agent's responsibility is solely focused on evaluating the client's needs and the pricing of the product chosen.

While searching for the brokerage market's best place for a client's business, independent agents pay all their own expenses and keep their own records and earn their income from brokerage commissions on the policies they sell.



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