ROP term life refunds premiums if you outlive the term; usually sold as rider.
This list focuses on stand-alone ROP policies, screened for strength and customer reputation.
Discount angle: one insurer may cut auto premiums when you add ROP coverage.
That policy offers $100K-$250K coverage, 20-yr or 30-yr terms, ages 18-60.
Another insurer lets applicants contact underwriters directly; some qualify for no-exam underwriting.
Tradeoff: ROP can cost 3-5x standard term; refunds untaxed, but lapses forfeit money-back.
A third option offers quick online quotes, $50K-$500K coverage, renewals up to age 95.