An ROP rider will return a portion of premiums paid (less any claims paid). When included with a short-term or long-term disability policy, this money-back feature provides a solution for clients who:
- Need to justify their purchase by knowing they’ll get something tangible in return if they don’t use the policy
- Are attracted to the idea of getting a lump-sum payment they can use any way they wish, such as paying down their mortgage or other debts, or using it for retirement planning
- Are employed full time, age 30 – 50
For more information view the ROP Sales Idea here.