Return of Premium
Return of Premium (ROP) is Term Life Insurance with one difference: if you pay all your premiums, you will receive your money back in the end. Although ROP is more expensive, the additional premium will effectively return 5% over 30 year term, earning you back what you've paid in. ROP is great if you are sure that you will complete your term, and can afford the higher premiums to get it all back when the term is over.