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Return of Premium (ROP) life insurance can be a good deal for some. If you outlive the policy, you get all your premiums back 💵🎉. ⚠️ Unfortunately, it often costs 2–3 times more than regular term life insurance. Also, the refund earns no interest, so inflation can chip away at its value 📉. 💡 ROP might be a good fit if you love the guaranteed refund and can handle higher payments. Otherwise, a standard term life insurance policy combined with smart investing often makes more financial sense.
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