Products

Return of Premium

Wouldn’t it be nice to get your money back if you didn’t need the benefits provided by your Family Heritage coverage? Well, you can with our flagship Return of Premium* Benefit.

How it Works

You purchase your coverage with Return of Premium. Pay your premiums and keep your insurance in force for a specified number of years (your policy/certificate will tell you how long the return of premium period is for you). Then, at the end of the period, if you haven’t had any claims, you get all your money back – every penny! What’s more, if you had one or more claims that total less than the amount of premiums you paid, you receive the difference.

Receiving Your Check

When it comes time for your return of premium check, we’ll send it directly to you – there are no claim forms or extra paperwork for you to complete. Wouldn’t it be nice if all of your insurance worked that way?

* The coverage must be kept in force in order to be eligible for Return of Premium. This benefit may not be available in all states and where available, benefits will vary. In some states this benefit is called Cash Value. Please see your Family Heritage Representative for cost and complete details.