Top 4 Things You Need to Know
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Quotes with Ethos, eApp with John Hancock* Contracting is built into our funnel Available to select agents only
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1 The Return of Premium (ROP) rider allows for a return of a portion of the premiums at the end of the level term period or earlier if the policy is terminated prior to that point. The ROP benefit will begin as early as the second policy anniversary and the percentage of premiums available to be returned increases gradually over the term duration to a maximum of 100% at the end of the level term period. The ROP Rider is only available for term durations 25 and 30 and only for Standard or Preferred Non-Smoker risk classes. There is an additional cost for this rider.\
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