An applicant for insurance needed more insurance than the insurer was willing to issue. The insurance producer told him that he would maximize the death benefit without increasing the face amount by adding:

Return on Premium rider

Explanation:

A Return on Premium rider provision in a life insurance policy works by adding the total premiums that the insured would have paid over the course of the insurance term to the face value of the death benefit when the plan matures if the insured is still alive.

If the insured dies, some of the premium may still be added to the face value when it is paid to the beneficiaries.

The premiums attached as a result of this provision will be higher than the normal premiums without this provision.

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