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Life insurance terminology shouldn't be confusing. Here is the definition of return of premium rider.
A policy add-on that returns the premiums paid if the insured outlives the term of the policy.
For example: If a 10-year term life policy is purchased for $50 per month, and the insured outlives that time period, with this rider, the policyholder would have up to $6000 in premium returned. The cost of this add-on is not returned to the policyholder.