ROP

ROP stands for Return of Premium. Return of premium life insurance is a type of term life insurance policy that returns the premiums paid to the owner if the insured survives until the end of the policy period.

LIFETIME

Lifetime life Life insurance is a type of policy that is usually guaranteed for your entire life.  Most commonly known as either Whole Life or Guaranteed Universal Life(GUL) policies.

Health class

Preferred Plus - You are in excellent health.  You are normal weight and height and have no early deaths in your family history from disease or other conditions .

Preferred - You are in excellent health but may have a minor issue such as slightly high cholesterol. 

Regular Plus - You are in good health but may have minor issues such as high blood pressure or slightly overweight. 

Regular - You are in average health with society and have a normal life expectancy.  You might be overweight and or have blood pressure issues as well as cholesterol.  You may have also had a family member pass away before 60 due to disease. 

face amount

Face Amount is the amount of money paid to your beneficiaries if you were to die. 

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