And in the event you didn't notice, this ROP term is not for free. The policyholder, on average, will to help pay twice the cost of one's regular term policy. You need to get hit twice with the cost -- not only are the premiums much higher, however the loss any specific interest on the policy holder can turn into tricky hidden cost as well. Also, you look at that, although the invested difference was making a very conservative 6% return, Bob would have still beaten Jim. So, this reveals that you might not have to be a Warren Buffett to emerged on top with ordinary term scheme.