Money Back Term Life Insurance

Let’s Learn what is return of premium or money back term life insurance – if don’t die during your term period; you will receive all your premium back at the end of policy term income tax free.

In a most cases term life is a good idea because it gives biggest possible amount of death benefit for the smallest possible premium. For those who can’t afford to do proper risk management with whole life insurance, term life is a big blessing for them and their family. Term life also allows you to acquire right amount of life insurance with very less initially premium compare to permanent.

The biggest problem with term life insurance though – is death benefit. According to the Penn State University study conducted in 1993:

  • More than 90% term life policies are converted or terminated
  • 45% within the first year
  • 72% within the third year
  • Less than 1 out 10 policies survives the term period they are written for
  • After 15 or 20 years of exposure less than 1% of all term policies are still in force or active
  • Only 1% of all term policies are resulted in the death claims

So, it means in term insurance you are most like to pay more than you will receive even though premium is very less. The best day to own term insurance is the day you bought. You can get the great return on your term premium if die in first few years of your policy or even you die during your term life period. According to this study, there are 99% chances you will NOT die and therefore will NOT claim the death benefit.

The new return of premium life insurance solves this problem. I am sure we’ll not throw your money in slot machines for 20 or 30 years if the chances of winning are less than 1% (unless you are addicted to slot machine gambling!). So, why throw premium away on the term life where chances of claiming the death benefit are 1%? Let’s STOP WASTING MONEY and stat making money. This new money back term life insurance allows you to not to gamble with family’s future.

This is how this new return of premium plan works – you pay premium for the selected 20 or 30 years of term insurance period. If you die (remember there is only 1% chance!) during this period then your family or beneficiary will get the death benefit. If you don’t die (99% chances) then you will get all your premium back Tax- Free.

We have helped thousands of successful individuals to create smart life insurance and risk management strategy. If this something you want for yourself then please call (877) 972-3262 or complete contact us form now.

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Independent Pharmacists


Business Owners



Regardless of the topic or question, BeamaLife has unique individuals with the right background to address my concerns. As a result, I have a much clearer understanding of how certain wealth creation strategies were the right fit for my company. I also have been able to take much higher income tax deductions for the corporation by implementing a plan set forth by Neil Jesani. They have maintained an unmatched level of professionalism during my interactions with them over the years.”

Mr. Peters
Software Company Owner, California

“BeamaLife was referred to me by my CPA for my pension plan funding. I also wanted to take care of my estate tax need. Neil and his team have done a superb job of creatively funding my pension plan, acquiring most cost-effective life insurance for our estate planning need with very minimum out pocket using velocity of money principle and putting my existing investment to second use. They also help us setting up all our estate planning documents.”

Dr. Martin
New Jersey

“BeamaLife has been a great advisor to us for many, many years. They not only helped us take higher income tax deductions but, also helped us organize our investment portfolio in an efficient manner. Through this relationship, we were able to create substantial wealth with the very low out-of-pocket expense. Neil Jesani from BeamaLife is very responsive, professional and extremely knowledgeable”

Mr. Sakaria
Multiple Pharmacy Owner, New York

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