Because of financial obligations, John felt that he needed more insurance than the insurer was willing to issue. John's insurance producer told him that he could maximize the death benefit without increasing the face amount by the use of a(n)

Because of financial obligations, John felt that he needed more insurance than the insurer was willing to issue. John's insurance producer told him that he could maximize the death benefit without increasing the face amount by the use of a(n)



Answer: Return of premium rider. With the "return of premium" rider attached to the policy, upon the insured's death, the benefit paid will be the face amount plus an amount equal to all the premiums paid on the contract.

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