Another thing that is reasonably interesting the actual ROP term policy -- if you cancel the insurance policy you get next to nothing each month .. On a 30-year policy typically, if you walk out of your return of premium policy after, say, 10 years, you only get back 9% of the cumulative premiums you paid in. After 20 years, you'll receive 35% and will not until you hit three will acquire your full investment. If you purchase out early, you really lose!