ROP Products

	A	B	C	D	E	F	G
1	Carriers	Product Type	Issue Ages	ROP Schedule	E-App	Drop Ticket	Non-Med Limits
2	American Amicable	Term	18-75		Yes	No	Up to $500,000
3	American National	GUL	18-80	For death benefits less than $250k, the guaranteed cash-out rider will pay 50% of premiums paid in the 15th year and 100% of the premiums paid in years 20 and 25. The maximum cash-out benefit is equal to 45% of the death benefit. For death benefits over $250k, the guaranteed cash-out rider will pay 65% of premiums paid in the 15th year and 100% of the premiums paid in years 20 and 25. The maximum cash-out benefit is equal to 65% of the death benefit.	Yes	No	Up to $1,000,000
4	Americo	Term	18-60	If your client chooses CBO 100, they may request to receive 100% of base premiums back at the end of the Cash Back Option period.If your client chooses CBO 50, they may request to receive 50% of base premiums back at the end of the Cash Back Option period.	Yes	No	Up to $300K
5	Assurity	Term	18-60	The Endowment Benefit is paid to the owner at the end of the level term period, at which point the rider terminates. If the rider terminates for any reason other than death prior to the end of the level term period, then the policyholder is entitled to receive a percentage of the following premiums: premiums paid for the term life base policy and premiums paid for the Endowment Benefit Rider (ROP). Flat extra and table rating premiums, other rider premiums and the annual policy fee will be excluded. Once the appropriate percentage has been applied to the premiums, benefits paid under any Accelerated Benefits Rider attached to the policy will be subtracted to determine the return of premium benefit paid. The return of premium percentages will vary by premium band, issue age, gender, underwriting class, and level term period.	Yes	No	Up to $500k
6	Coregbridge	GUL	18-80	Guaranteed Return of Premium in year 20 at 50% or in year 25 at 100%.	Yes	Yes	Up to $1,000,000
7	Coregbridge - AGLA	GUL	18-80	The amount of cash surrender value is 50% of the total premium paid at the end of year 20, or 100% of total premium paid at the end of year 25, net of partial withdrawals and outstanding loans. These benefits are capped at 40% of the lowest Specified Amount in the policy.	Yes	Yes	Up to $1,000,000
8	Illinois Mutual	Term, DI	18-60	After the initial term period, this benefit returns policy premiums excluding additional premiums paid for riders, rated policies, policy fees, and modal administrative fees. The endowment benefit will be reduced by any outstanding loans or liens, including paid Accelerated Death Benefits, and accrued interest. For the Disability product, this rider allows for 100% return of premium paid, less any benefits received, from ages 65 to 67. Beginning with the 5th policy year, you may receive a portion of the premiums paid, less any benefits received. The policy ends after the return of premium is paid and may not be reinstated.	Yes	No	Up to $249,999
9	Kansas City Life	Term	20-60	The Cashback Life 20 / 30 provides cash value to the Owner upon surrender. At the end of 20 / 30 years, the cash value equals the premiums paid to that point (assuming no policy changes, riders, or substandard ratings).	Yes	Yes	Up to $1M
10	Mutual of Omaha	Term, IUL	18-50	For the GUL, Enhanced Surrender Value Rider: This rider provides a refund of premiums paid upon a full surrender of the policy during a 60-day period following the 15th and 20th through 25th policy anniversary. • Year 15 = 50 percent of the accumulated premium paid • Years 20, 21, 22, 23, 24 & 25 = 100 percent of the accumulated premium paid The refund of premiums paid will not exceed 50 percent of the death benefit and if exercised, the policyowner must surrender the policy. For the term, The Partial Return of Premium Benefit Provision entitles the policyowner to have all or a portion of the premiums, both paid and waived, returned during the first 30 years upon surrender of the policy. The amount returned will depend upon the policy year in which surrender of the policy is requested. Returned premiums include all policy fees and all rider premiums.	Yes	No	Express ROP = $300,000
11	Pacific Life	GUL	0-80	The return of premium rider is not available on face amounts less than $50k. Within 60 days of stated policy year: -Issue ages 0-20 and death benefit less than $250k: 35% in year 25 and 50% in year 35. -Issue ages 0-20 and death benefit more than $250k: 40% in year 25 and 55% in year 35 -Issue ages 21-30 and death benefit less than $250k: 25% in year 15, 50% in year 20 and 75% in year 25 -Issue ages 21-30 and death benefit more than $250k: 50% in year 15, 75% in year 20, and 100% in year 25 -Issue ages 31+ and death benefit more than $50k: 50% in year 15, 75% in year 20, and 100% in year 25 The total ROP will be the lesser of the options above or 40% of the face amount.	No	Yes	Up to $2,000,000
12	Protective	GUL	18-85	Returns part or all of paid premiums during select policy intervals. For the first 60 days in policy years 21 and 26, policyholders can receive 50% or 100%, respectively, of their paid premium into the life insurance policy for the Advantage Choice UL. For the Lifetime Assurance UL, on or after the 10th policy anniversary, the Return of Premium Endorsement will pay policyholders 25% of all premiums paid to date if they choose to fully surrender their coverage.The Return of Premium payout cannot be greater than 50% of the lowest death benefit.	No	Yes	Up to $1,000,000
13	Sagicor	SPUL	18-85	Available day one, this rider gives policyowners the flexibility to receive a penalty-free return of premium upon full policy surrender, if their needs change, less any indebtedness, withdrawals, and benefit payments.	Yes	No	Up to $1,000,000
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