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before you buy a life insurance policy heres a cheat code you may not have known there are policies out there where if you do not die within a set period of time the insurance company will give you back all of the money that youve paid over the course of years and this is called return of premium now this can only be done using a term life insurance policy lets break down very quickly what term life insurance is its like renting an apartment if you rent an apartment with a 12 month lease if at the end of 12 months you no longer want that lease you have to move out or you have to renew your lease term life insurance is like renting an insurance policy but heres the difference if you get a 30-year term life insurance policy meaning im 28 years old i get a 30-year that takes me out to 58 years old at the end of that 30 years if ive paid say 20 000 to the insurance company instead of that money being gone
