Try GOLD - Free
A term plan that refunds your money if you survive
Financial Express Kolkata
|December 06, 2025
BUT IT IS TWO TO THREE TIMES MORE EXPENSIVE THAN PURE TERM PLANS
A term insurance plan with return of premium (TROP) is an attractive option for individuals seeking both life coverage and a potential return on their premiums. It is ideal for those who seek certainty over market-linked returns.
However, these plans come with higher premiums, around 1.8x to 2x the cost of regular term plans, due to the inclusion of a maturity benefit.
Varun Agarwal, business head, Term Insurance, Policybazaar.com, says TROPs are gaining popularity as they guarantee the refund of the total premiums paid (excluding GST and sometimes rider premiums) if the policyholder outlives the policy term. “This guarantee of not losing the premium money is making these plans popular,’ he says.
Higher pricing
This story is from the December 06, 2025 edition of Financial Express Kolkata.
Subscribe to Magzter GOLD to access thousands of curated premium stories, and 10,000+ magazines and newspapers.
Already a subscriber? Sign In
MORE STORIES FROM Financial Express Kolkata
Financial Express Kolkata
Create more space to let solar power flow
Solar power is auctioned almost every fortnight and developers are actively securing capacity, so boosting transmission network is crucial to reap benefits
3 mins
December 16, 2025
Financial Express Kolkata
Maruti to localise batteries and key components soon
CARMAKER CHARTS ROADMAPTO BUILD STRONGER EV ECOSYSTEM
2 mins
December 16, 2025
Financial Express Kolkata
Rupee slides to another record low
THE RUPEE'S DOWNWARD slide continued on Monday, ending at a new low of 90.73 against the dollar—down 31 paise—on weak market sentiment.
1 min
December 16, 2025
Financial Express Kolkata
IPL auction: KKR, CSK ready to loosen purse strings
PLAYERS TO WATCH OUT FOR Others in the 359-player auction pool are Steve Smith, Wanindu Hasaranga, Liam Livingstone, David Miller and Devon Conway to name a few
1 mins
December 16, 2025
Financial Express Kolkata
Noida airport set for flight into the future
Designed to operate largely on automation and self-service
2 mins
December 16, 2025
Financial Express Kolkata
Not worried about impact of tariffs as much as Al’s impact: BCG global chair
EVEN AS THE Indian economy and markets have been feeling an overhang of the ongoing tariff deal with the United States, Richard Lesser, the global chair of Boston Consulting Group (BCG) said that he is not worried about impact of tariffs as much as impact of Artificial Intelligence (AI), which he termed as 'critically important'.
2 mins
December 16, 2025
Financial Express Kolkata
Top 15-20% of consumers are driving growth energy'
How are you balancing premiumisation with the need for mass-market growth?
1 mins
December 16, 2025
Financial Express Kolkata
Over 84% of winter sowing complete, up 4.68% on year
SOWING OF RABI crops such as wheat, pulses, oilseeds and coarse cereals is nearing completion with over 84% of normal sown area covered, so far.
1 min
December 16, 2025
Financial Express Kolkata
GST cut to have 5-6% impact on bottom line: Galaxy Health
GALAXY HEALTH INSURANCE, the country's youngest standalone health insurer, is estimating a 5-6% impact on its bottom line following the rationalisation in the goods and services tax (GST) rates, a senior company official said on Monday.
1 min
December 16, 2025
Financial Express Kolkata
China's economy stalls in Nov
COUNTRY NEARS FIRST INVESTMENT DECLINE IN THREE DECADES
1 mins
December 16, 2025
Listen
Translate
Change font size