Confused about ROP Term Life Insurance? Find Out About the Term Life Insurance That Pays Whether You Live or Die

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Matrix Direct, a leading direct marketer of term life insurance, discusses how ROP Term Life Insurance works.

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Matrix Direct, a leading direct marketer of term life insurance, discusses how ROP Term Life Insurance works.

ROP Term Life Insurance: Don’t just plan for tomorrow . . . protect it with “ROP” term life insurance!

ROP term life insurance ensures your loved ones a death benefit if you are taken from them, but it can return the amount you paid in premiums if you’re not. So, you collect whether you live or die.¹ ROP coverage offers these benefits:

  • At the end of the level-premium period, provides an endowment benefit equal to the total of cumulative premiums paid if you are still living and you’ve kept the policy in force.
  • Available for various term lengths from 15 to 35 years, depending on your specific needs.
  • A fixed monthly premium that does not change during the selected term.
  • Death benefit to your loved ones if you should die while the policy is in force.

Whatever your goal, ROP term life insurance offers you the best of both worlds – your loved ones will receive the death benefit if something were to happen to you, AND it can return the amount you paid in base premiums if you live to the end of the level-premium period. It’s a win-win.

¹ Premiums are returned at the end of the level premium period, subject to certain conditions and limitations, and less any charges for substandard ratings and riders and any outstanding loan balance. The premium returned does not take into account the time value of money. Policies not available in all states. Please contact Matrix Direct for complete details.

About Matrix Direct:
Matrix Direct, Inc. is one of the country’s leading life insurance agencies. Over four million Americans have contacted Matrix Direct for a free life insurance quote. Visit or call 1-800-586-3039 for more information or to request a quote for return of premium term life insurance. Matrix Direct, Inc. is a subsidiary of American General Life Insurance Company (AGL) and an affiliate of The United States Life Insurance Company in the City of New York (USL). Agency services provided by Ronald J. (John) Harris in IA, TN, and VT; Matrix Direct Insurance Services in CA (#0B57619), ME, MA, and OK; Matrix Direct Insurance Agency, Inc. in UT; and Matrix Direct, Inc. in AR(#246412) and all other states, except SD.


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Valerie Aiello
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