Tracy Johnson decided at an early age she wanted to become a lawyer. Her parents, Sandra and Ron, had begun saving for college when she was a baby – and had also purchased AG ROP Select-a-Term^SM life insurance policies to make sure educational funds would be available if either of them died.

For the next 20 years, Sandra and Ron lived secure in the knowledge that, should anything happen to them, Tracy’s education could be paid for. Fortunately, they didn’t need the death benefit – and when the term on their policies ended, they received a return of premium cash value of $25,000.¹

Thanks to AG ROP Select-a-Term, the Johnson family was able to enjoy 20 years of solid term life protection, followed by a refund that helped pay Tracy’s student loans.¹

The cases presented are not actual and are for illustrative purposes only.
¹AG ROP Select-a-Term accumulates a cash value that first appears beginning the fifth policy year. At the end of the level term period, the cash value of the inforce policy provides an endowment benefit equal to the total of all cumulative premiums paid, less any charges for substandard ratings and riders and any outstanding loan balance. If your needs change and you surrender the policy, or convert it to our permanent insurance, you will receive the cash value that has built up in relation to the age of the policy, minus any outstanding loan balance.