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Return of premium endorsement

Learn how our Return of Premium endorsement gives clients access to all or part of their premiums when they need it.

Flexibility without fees

Designed for convenience with no additional charges.
Early access to premiums
Our ROP option gives clients the ability for early access to all or part of their premiums, as long as they are willing to fully surrender their policy.
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No added cost
Protective® Lifetime Assurance UL policies offer early access at no additional cost.

Unexpected events make the case for added flexibility

Sometimes the unexpected happens and your clients need access to extra cash. With a Return of Premium endorsement, their guaranteed income protection doesn’t have to begin and end with their death benefit. See below for some examples.
A man in a hospital bed is comforted by his wife, knowing that they have access to extra cash with a Return of Premium endorsement.
Unexpected medical event
Even with Medicare, not every medical issue or event is covered. When there's an emergency, extra cash to cover expenses can help mitigate the crisis.
A client reading about market fluctuations on her laptop considers how her Return of Premium may help hedge against volatility.
Volatile market conditions
The market is unpredictable. Clients living off the interest of their investments may face restricted cashflow when conditions fluctuate and need a way to help hedge against volatility.
A couple meets with a contractor to discuss home repairs, but know they can use their Return of Premium to offset costs.
Spike in housing costs
A broken furnace, an electrical problem or other home improvement issue can eat into a client's fixed income. Having additional cashflow can help weather the storm.

Helpful resources on Return of Premium endorsement

Use these resources to learn more about our Return of Premium endorsement and support your client conversations.
The cover of the Protective return of premium endorsement guide
Get complete details on Return of Premium endorsement
Download complete guide
The cover of the Protective riders and endorsements guide
See all available riders and endorsements
Download reference guide

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We’re ready to help you deliver the protection and security your clients deserve. Reach out to us anytime for questions and support, and we’ll get in touch with you as soon as possible.
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Welcome to Protective

Before entering the site, please confirm that you are currently an authorized financial professional.

1 An additional restriction on the Return of Premium endorsement even for non-tobacco rate classes requires the policy holder to be "non-rated" or, if they are rated, a "Table 4" or better.

2 Must be requested during the 60-day window, days 1-60 of the policy year.

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