Dramatically better ROP
PAGE 4
Assumptions: $450K death benefit, 25-year term, 30-year old male, Standard Non-Smoker
JH Simple Term #1 Competitor
JH Simple Term #1 Competitor
% of premium return if lapsed
Available CSV
100%
$100,000
75%
$75,000
50%
$50,000
25%
$25,000
0%
$0
JH Year 4: 25% ROP
Competitor Year 22: 20% ROP
JH CSV begins Year 3
Competitor CSV begins Year 16
Year 22 Competitor CSV: $16,256
The Return of Premium (ROP) rider for Simple Term 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. Competitor information is current and accurate to the best of our knowledge as of July 2024.
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