1. A Return on premium benefit includes a death benefit that is payable upon your death. This can take care of medical bills, lost income, and secure futures for your children. The money can be used any way it needs to be used in the event of your death.

2. When you get a return on premium long term care insurance quote you will find that this benefit is free of income taxes of the federal government. This means that your family members will not have to pay a large percentage out of the death benefit if they need to exercise this.

3. With a return on premium long term care insurance policy you are rewarded for outliving the policy itself. This means that if you live up until the end of the level premium period and you still have a policy in place, you will get 100% of the premiums you paid into the policy. This is one amazing savings account and can mean a lot of fun for the rest of your life.

4. If you exercise your right to get a refund on your policy because you have outlived it you are also not taxed by the federal government for this. The goal to a policy like this is to remain healthy so you can get all of your money back.

5. After you receive a refund for the total amount of the premiums you have paid you can still continue your policy. The policy will be renewed with an annual renewable term and the rate is guaranteed when you determine the initial long term care insurance cost.

6. The money eligible to be paid to you includes premiums before the expiration date. You will not be paid any money of the policy that includes riders or other additional risks that were paid. This means that the total amount of money you paid in will not be what you get back. You will get the amount minus additional benefit fees paid in. When you determine the long term care insurance cost you will know the amount going into the return of premium.

A long term care insurance quote should include a return of premium benefit. This is an excellent way to secure you or your family's future. If you outlive your policy you will get all of your money back paid into the plan.