{"id":859,"date":"2020-01-15T12:09:41","date_gmt":"2020-01-15T12:09:11","guid":{"rendered":"http:\/\/localhost:8000\/inflation-rider-2\/"},"modified":"2020-01-15T12:09:41","modified_gmt":"2020-01-15T12:09:11","slug":"return-of-premium-rider","status":"publish","type":"page","link":"https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=859","title":{"rendered":"Return of premium life insurance rider"},"content":{"rendered":"<section class=\"migrated-section row-0\">\n<div class=\"acf-field stream_0_circles_theme_generated_in_functions\">default<\/div>\n<div style=\"color:red; font-weight:bold; border: 1px solid red; padding: 5px;\">[MISSING IMAGE ID: 0 &#8211; Not found in Media XML]<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2020\/01\/6effa1ac-returnofpremum_hero.jpg\" alt=\"stream_0_mobile_image\" class=\"migrated-media id-1140\" style=\"max-width:100%; height:auto;\" \/><br \/>\n<img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2024\/03\/49531654-return_prem_rider_header.jpg\" alt=\"stream_0_desktop_image\" class=\"migrated-media id-648531\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_0_style\">style-blue<\/div>\n<div class=\"acf-field stream_0_title\">Return of Premium Rider<\/div>\n<p><a href=\"#get-quote\" target=\"\" class=\"acf-link\">Get My Quote<\/a><\/p>\n<div class=\"acf-field stream_0_eyebrow\">LIFE INSURANCE RIDER<\/div>\n<div class=\"acf-field stream_0_description\">Add a return of premium rider to a standalone accidental death benefit policy to recoup some of your premium costs.<\/div>\n<div class=\"acf-field stream_0_page\">Default<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-1\">\n<div class=\"acf-field stream_1_circles_theme_generated_in_functions\">default<\/div>\n<div class=\"acf-field stream_1_style\">info-white<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/assets.fidelitylife.com\/uploads\/2019\/09\/security.svg\" alt=\"stream_1_icon\" class=\"migrated-media id-143\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_1_small_icon_holder\">0<\/div>\n<div class=\"acf-field stream_1_title\">A return of premium rider is a good option if:<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-2\">\n<div class=\"acf-field stream_2_circles_theme_generated_in_functions\">content_short<\/div>\n<p class=\"acf-field stream_2_text\">\n<ul class=\"box-list\">\n<li style=\"list-style-type: none;\">\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\"><span style=\"font-weight: 400;\">You choose a Fidelity Life standalone accidental death benefit policy and want an additional benefit in case you reach your policy\u2019s expiration date.<\/span><\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\"><span style=\"font-weight: 400;\">You choose a Fidelity Life standalone accidental death benefit policy and may want to discontinue your policy before it expires.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<div class=\"acf-field stream_2_remove_padding\">0<\/div>\n<div class=\"acf-field stream_2_add_table_of_contents\">0<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-3\">\n<div class=\"acf-field stream_3_circles_theme_generated_in_functions\">default<\/div>\n<div class=\"acf-field stream_3_style\">promise-grey<\/div>\n<div style=\"color:red; font-weight:bold; border: 1px solid red; padding: 5px;\">[MISSING IMAGE ID: 1 &#8211; Not found in Media XML]<\/div>\n<div style=\"color:red; font-weight:bold; border: 1px solid red; padding: 5px;\">[MISSING IMAGE ID: 0 &#8211; Not found in Media XML]<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2024\/03\/d2304f6b-returnpremium_rider_contentsecimg.jpeg\" alt=\"stream_3_image\" class=\"migrated-media id-648532\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_3_title\">What is a return of premium rider and how does it work?<\/div>\n<div class=\"acf-field stream_3_description\"><span style=\"font-weight: 400;\">A return of premium rider is a supplemental insurance product that can offer a financial safety net to your standalone accidental death benefit policy (ADB).<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">You may outlive your original standalone accidental death benefit policy. You could choose to switch insurance policy types before your accidental death benefit term is up or discontinue your current policy before the end of its term. In these situations, once you pay the premiums for your standalone ADB policy, they usually cannot be recouped.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">A return of premium rider from Fidelity Life can change that. With this rider, after the fifth year of the policy being in force, your policy begins to build cash value.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">If your standalone accidental death benefit expires or you discontinue your policy, you will be refunded a set percentage of your total premiums paid.<\/span><\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-4\">\n<div class=\"acf-field stream_4_circles_theme_generated_in_functions\">default<\/div>\n<p class=\"acf-field stream_4_text\">\n<h2>Pros &amp; cons of return premium life insurance<\/h2>\n<p>Wondering if a return of premium rider is a good investment for you? Here are a few areas to consider.<\/p>\n<h3>Pros:<\/h3>\n<ul>\n<li aria-level=\"1\">You get a guaranteed return on your ADB policy that\u2019s typically <a href=\"\/life-insurance-basics\/life-insurance-101\/is-life-insurance-taxable\/\">tax-free<\/a>.<\/li>\n<li aria-level=\"1\">You can build up cash value in your plan that you can access during your lifetime.<\/li>\n<li aria-level=\"1\">Premiums are often lower than permanent life insurance.<\/li>\n<\/ul>\n<h3>Cons:<\/h3>\n<ul>\n<li aria-level=\"1\">You\u2019ll pay more for a plan with this rider than you would for a basic <a href=\"https:\/\/fidelitylife.com\/life-insurance\/accidental-death-insurance\/\">ADB<\/a> policy.<\/li>\n<li aria-level=\"1\">If you stop paying your premiums or cancel your policy before the term ends, you won\u2019t receive the refunded premiums.<\/li>\n<li aria-level=\"1\">Your premiums can depreciate over time because of <a href=\"https:\/\/fidelitylife.com\/life-insurance\/life-insurance-riders\/inflation-rider\/\">inflation<\/a>, so putting your dollars into another investment vehicle can potentially give you a bigger return.<\/li>\n<\/ul>\n<h2>Is return premium life insurance worth it?<\/h2>\n<p>A return of premium life insurance rider may be worth it if you plan to keep your policy active for an extended period (longer than five years). If there&#8217;s a chance you may cancel your policy in the first few years before it can accrue cash value, return premium life insurance may not be the best choice. If you&#8217;re considering purchasing an ADB policy with a return of premium life insurance rider, it&#8217;s critical to fully understand the cost, premium payments, and cancellation policy upfront. That way, you&#8217;ll feel confident that the return of premium rider works for your unique financial needs and budget.<\/p>\n<h2>What other life insurance riders are available?<\/h2>\n<p>Life insurance riders can help you customize your coverage to increase your payout, access your benefits early, or provide extra protection for your family. Learn about <a href=\"https:\/\/fidelitylife.com\/life-insurance\/life-insurance-riders\/\">life insurance rider options<\/a> from Fidelity Life.<\/p>\n<p><a href=\"https:\/\/fidelitylife.com\/life-insurance\/life-insurance-riders\/accidental-death-benefit-rider\/\">Accidental death benefit rider<\/a><\/p>\n<p>This rider pays out if the policyholder\u2019s death was caused by a covered accident, or by injuries from an accident within 90 days of the event.<\/p>\n<p><a href=\"https:\/\/fidelitylife.com\/life-insurance\/life-insurance-riders\/family-accidental-death-benefit-rider\/\">Family accidental death benefit rider<\/a><\/p>\n<p>Add this rider to your ADB policy to provide extra coverage if your partner or dependent child has an accident.<\/p>\n<p><a href=\"\/life-insurance\/life-insurance-riders\/terminal-illness-accelerated-death-benefit-life-insurance-rider\/\">Accelerated death benefit rider<\/a><\/p>\n<p>If you have a terminal illness, this supplemental insurance product allows you to take out a percentage of your death benefit early.<\/p>\n<p><a href=\"https:\/\/fidelitylife.com\/life-insurance\/life-insurance-riders\/child-life-insurance-rider\/\">Child insurance policy rider<\/a><\/p>\n<p>This rider can help cover funeral expenses or time off work if your child passes away.<\/p>\n<p><a href=\"https:\/\/fidelitylife.com\/life-insurance\/life-insurance-riders\/inflation-rider\/\">Inflation rider<\/a><\/p>\n<p>For people with a standalone Fidelity Life accidental death benefit policy, this rider can help your policy keep pace with inflation.<\/p>\n<p>If you have questions about which riders to add to your policy, talk to one of our life insurance agents.<\/p>\n<div class=\"acf-field stream_4_remove_padding\">0<\/div>\n<div class=\"acf-field stream_4_add_table_of_contents\">0<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-5\">\n<div class=\"acf-field stream_5_circles_theme_generated_in_functions\">default<\/div>\n<p class=\"acf-field stream_5_text\">\n<h2>Questions about Fidelity Life insurance riders<\/h2>\n<\/p>\n<div class=\"acf-field stream_5_add_table_of_contents\">0<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-6\">\n<div class=\"acf-field stream_6_circles_theme_generated_in_functions\">default<\/div>\n<div class=\"acf-field stream_6_use_alphabetical_index\">0<\/div>\n<div class=\"migrated-grid repeater-list\">\n<div class=\"migrated-card card-0\">\n<div class=\"acf-field stream_6_list_0_title\">\n<h3>What is an insurance rider?<\/h3>\n<\/div>\n<div class=\"acf-field stream_6_list_0_content\"><span style=\"font-weight: 400;\">A rider is supplemental to your insurance policy. It amends the policy to include optional terms or conditions. Riders may increase premiums, but they can offer additional benefits and expanded coverage.<\/span><\/div>\n<\/div>\n<div class=\"migrated-card card-1\">\n<div class=\"acf-field stream_6_list_1_title\">\n<h3>How does a return of premium rider work with Fidelity Life?<\/h3>\n<\/div>\n<div class=\"acf-field stream_6_list_1_content\"><span style=\"font-weight: 400;\">A return of premium rider can be added to a standalone Fidelity Life accidental death benefit (ADB). With a return of premium rider, your total ADB policy premium will increase. However, after the fifth year of the policy being in force, your policy will slowly begin to build cash value. If you discontinue your policy, you are refunded a certain percentage of total premiums paid. <\/span><span style=\"font-weight: 400;\">Each passing year will raise the percentage of your total paid premiums that can be recouped if you decide to discontinue premium payments. By the time the policy reaches a certain duration, a full 100% of premiums paid in may be refunded to you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you die from natural causes, your return of premium benefit will be paid out to your beneficiary. If you die from a covered accident, the accidental death benefit on your standalone Fidelity Life ADB policy will be paid to your beneficiary. If you lapse your policy at any point where your return of premium rider has value, you can take the refund premiums and do with them what you\u2019d like, such as remodeling your home or taking a vacation.<\/span><\/div>\n<\/div>\n<div class=\"migrated-card card-2\">\n<div class=\"acf-field stream_6_list_2_title\">\n<h3>Why might I add a return of premium rider to my standalone accidental death benefit?<\/h3>\n<\/div>\n<div class=\"acf-field stream_6_list_2_content\"><span style=\"font-weight: 400;\">If you expect to keep your ADB policy active for more than five years and want to get a portion of premium returned, you may want to consider adding a return of premium rider. That way, if you die from natural causes, or if your policy lapses after a long duration of making your scheduled premium payments, you would receive a return of premiums paid up to 100%.<\/span><\/div>\n<\/div>\n<div class=\"migrated-card card-3\">\n<div class=\"acf-field stream_6_list_3_title\">\n<h3>Which Fidelity Life policy can I add a return of premium rider to?<\/h3>\n<\/div>\n<div class=\"acf-field stream_6_list_3_content\"><span style=\"font-weight: 400;\">A return of premium rider can be added to a standalone Fidelity Life accidental death benefit policy.<\/span><\/div>\n<\/div>\n<div class=\"migrated-card card-4\">\n<div class=\"acf-field stream_6_list_4_title\">\n<h3>Do I need a medical exam for a return of premium rider?<\/h3>\n<\/div>\n<div class=\"acf-field stream_6_list_4_content\"><span style=\"font-weight: 400;\">No, you will not need a medical exam as no underwriting is done for this rider.<\/span><\/div>\n<\/div>\n<div class=\"migrated-card card-5\">\n<div class=\"acf-field stream_6_list_5_title\">\n<h3>Why should I choose Fidelity Life?<\/h3>\n<\/div>\n<div class=\"acf-field stream_6_list_5_content\"><span style=\"font-weight: 400;\">Fidelity Life is committed to helping you find the right life insurance. For more than 100 years, we\u2019ve been helping everyday people like you get the life insurance you need and the peace of mind you deserve. Our mission is to work with you throughout your life. Whether just starting out, raising your children, or getting ready to enjoy retirement, we design products with families like yours in mind.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can feel confident we\u2019ll be there for your loved ones because we carry an A+ rating from the Better Business Bureau as well as an A- rating (Excellent) from A.M. Best Company, the oldest and most widely recognized provider of ratings for the insurance industry. <\/span><span style=\"font-weight: 400;\">Our commitment to our customers, and their families, shows up in our innovative products and our top-notch customer service.<\/span><\/div>\n<\/div>\n<div class=\"migrated-card card-6\">\n<div class=\"acf-field stream_6_list_6_title\">\n<h3>How can I get started?<\/h3>\n<\/div>\n<div class=\"acf-field stream_6_list_6_content\"><span style=\"font-weight: 400;\">If you want to speak to an agent about attaching a child insurance policy rider to your existing Fidelity Life policy, please call our Customer Service Representatives Monday through Friday at 800.369.3990 from 8 a.m. to 5 p.m. Central Time CT.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you want to calculate your life insurance coverage needs, you can use our <\/span><a href=\"\/life-insurance-calculator\/term-life-insurance-calculator\/\"><span style=\"font-weight: 400;\">calculator<\/span><\/a><span style=\"font-weight: 400;\">. Then, we\u2019ve made it simple to <\/span><a href=\"https:\/\/fidelitylife.com\/life-insurance\/life-insurance-riders\/return-of-premium-rider\/#get-quote\"><span style=\"font-weight: 400;\">get your application started<\/span><\/a><span style=\"font-weight: 400;\"> online.<\/span><\/div>\n<\/div>\n<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-7\">\n<div class=\"acf-field stream_7_enable\">0<\/div>\n<div class=\"acf-field stream_7_circles_theme_generated_in_functions\">default<\/div>\n<div class=\"acf-field stream_7_display_single\">0<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-8\">\n<div class=\"acf-field stream_8_enable\">0<\/div>\n<div class=\"acf-field stream_8_circles_theme_generated_in_functions\">theme_26<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-9\">\n<div class=\"acf-field stream_9_enable\">1<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-10\">\n<img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2024\/10\/4d2ae549-callin_slider_img.png\" alt=\"stream_10_image\" class=\"migrated-media id-649983\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_10_content\">\n<div class=\"slider-text\">A LICENSED AGENT IS AVAILABLE NOW!<\/p>\n<div class=\"slider-navigation-phone slider-phone-text\"><a href=\"tel: 1-844-486-2054\">CALL 1-844-486-2054<\/a><\/div>\n<\/div>\n<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>default [MISSING IMAGE ID: 0 &#8211; Not found in Media XML] style-blue Return of Premium Rider Get My Quote LIFE INSURANCE RIDER Add a return of premium rider to a standalone accidental death benefit policy to recoup some of your premium costs. Default default info-white 0 A return of premium rider is a good option [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":620,"menu_order":6,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-859","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Return of Premium Life Insurance Rider<\/title>\n<meta name=\"description\" content=\"A return of premium life insurance rider returns a portion of the premiums you pay into a life insurance plan if the term expires without paying out a death benefit.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Return of Premium Life Insurance Rider\" \/>\n<meta property=\"og:description\" content=\"A return of premium life insurance rider returns a portion of the premiums you pay into a life insurance plan if the term expires without paying out a death benefit.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=859\" \/>\n<meta property=\"og:site_name\" content=\"Fidelity Life\" \/>\n<meta property=\"og:image\" content=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2020\/01\/6effa1ac-returnofpremum_hero.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?page_id=859\",\"url\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?page_id=859\",\"name\":\"Return of Premium Life Insurance Rider\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?page_id=859#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?page_id=859#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/wp-content\\\/uploads\\\/2020\\\/01\\\/6effa1ac-returnofpremum_hero.jpg\",\"datePublished\":\"2020-01-15T12:09:11+00:00\",\"description\":\"A return of premium life insurance rider returns a portion of the premiums you pay into a life insurance plan if the term expires without paying out a death benefit.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?page_id=859#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?page_id=859\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?page_id=859#primaryimage\",\"url\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/wp-content\\\/uploads\\\/2020\\\/01\\\/6effa1ac-returnofpremum_hero.jpg\",\"contentUrl\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/wp-content\\\/uploads\\\/2020\\\/01\\\/6effa1ac-returnofpremum_hero.jpg\",\"width\":1440,\"height\":490},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?page_id=859#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Life insurance\",\"item\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?page_id=41\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Life Insurance Riders\",\"item\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?page_id=620\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Return of premium life insurance rider\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#website\",\"url\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/\",\"name\":\"Fidelity Life\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#organization\",\"name\":\"Fidelity Life\",\"url\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/fla-vertical-logo.svg\",\"contentUrl\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/fla-vertical-logo.svg\",\"width\":824,\"height\":148,\"caption\":\"Fidelity Life\"},\"image\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Return of Premium Life Insurance Rider","description":"A return of premium life insurance rider returns a portion of the premiums you pay into a life insurance plan if the term expires without paying out a death benefit.","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"Return of Premium Life Insurance Rider","og_description":"A return of premium life insurance rider returns a portion of the premiums you pay into a life insurance plan if the term expires without paying out a death benefit.","og_url":"https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=859","og_site_name":"Fidelity Life","og_image":[{"url":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2020\/01\/6effa1ac-returnofpremum_hero.jpg","type":"","width":"","height":""}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=859","url":"https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=859","name":"Return of Premium Life Insurance Rider","isPartOf":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=859#primaryimage"},"image":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=859#primaryimage"},"thumbnailUrl":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2020\/01\/6effa1ac-returnofpremum_hero.jpg","datePublished":"2020-01-15T12:09:11+00:00","description":"A return of premium life insurance rider returns a portion of the premiums you pay into a life insurance plan if the term expires without paying out a death benefit.","breadcrumb":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=859#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=859"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=859#primaryimage","url":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2020\/01\/6effa1ac-returnofpremum_hero.jpg","contentUrl":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2020\/01\/6effa1ac-returnofpremum_hero.jpg","width":1440,"height":490},{"@type":"BreadcrumbList","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=859#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/staging03.wordpress.fidelitylife.com\/"},{"@type":"ListItem","position":2,"name":"Life insurance","item":"https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=41"},{"@type":"ListItem","position":3,"name":"Life Insurance Riders","item":"https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=620"},{"@type":"ListItem","position":4,"name":"Return of premium life insurance rider"}]},{"@type":"WebSite","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#website","url":"https:\/\/staging03.wordpress.fidelitylife.com\/","name":"Fidelity Life","description":"","publisher":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/staging03.wordpress.fidelitylife.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#organization","name":"Fidelity Life","url":"https:\/\/staging03.wordpress.fidelitylife.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#\/schema\/logo\/image\/","url":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2026\/04\/fla-vertical-logo.svg","contentUrl":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2026\/04\/fla-vertical-logo.svg","width":824,"height":148,"caption":"Fidelity Life"},"image":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=\/wp\/v2\/pages\/859","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=859"}],"version-history":[{"count":0,"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=\/wp\/v2\/pages\/859\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=\/wp\/v2\/pages\/620"}],"wp:attachment":[{"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=859"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}