A. Yes, that is what Term Life with Return of Premium rider made for. Based on the definition, you can get the total amount of your paid premium back at the end of the Term life coverage period, if you don't die during this coverage period.
Now, there is a company's innovative life insurance product makes this concept even better - it is a GUL product that offers permanent insurance coverage and a Guaranteed Refund Option. You will be given options to get your paid premiums back or let the policy run (this contracts to a Term life product which will end after your selected coverage period). You can call this product a Permanent Life product with ROP!
The best of all, its premium is very competitive when compared with those ROP Term life's premiums. If you are interested in learning more about this product, please contact us now.