Fortunately, your premium money doesn’t have to disappear forever. The “Return of Premium” (ROP) is a unique rider (optional policy feature) that allows you to get a refund for ALL your insurance premiums if you haven’t been diagnosed with a covered condition during a specified period. (Different supplemental insurance providers may have varying ROP availability and specifications.)

The Return of Premium rider is a unique reason why it makes sense to purchase cancer insurance or critical illness insurance. CancerPlans.com provides a convenient online platform that allows you to quote, compare and apply for the supplemental insurance policy that fits you best.

The specified “Return on Premium” period varies with insurance providers, but it’s usually about 20 years. If you purchase the ROP rider, you can relax, knowing that your financial future is secure if you are diagnosed with a covered condition…and that if you stay healthy, at the end of the specified period, you’ll get all your premium money back!

It’s a win-win situation.

(1) http://www.humana-one.com/supplemental-insurance/critical-illness/sickness-questions.asp

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1. You will receive only the benefit level written in the policy issued. See policy for details regarding benefits, including benefit amounts and requirements for payment, limitations, and exclusions.

* Application is subject to acceptance by the insurer. You may be ineligible for coverage if you have been diagnosed with cancer. Preexisting conditions may not be covered; a medical examination may be required; there may be a waiting period; and, Not every illness will be covered.

This Website serves as an invitation for you, the customer, to inquire about further information regarding cancer insurance and critical illness insurance, and your call will be routed to a licensed agent who can provide you with further information about the insurance plans offered by one or more of our third party partners. Submission of your contact information constitutes permission for an agent to contact you with further information, including complete details on cost and coverage of this insurance.

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How does a “Return of Premium” rider work?

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