Return of Premium:

In case of substandard rating, return of premium will follow the standard premiums only.

Return of Premium will be LESS any minor critical illness benefit paid and any indebtedness. This benefit is paid on the Policy Anniversary nearest the 75th birthday of the first insured to reach this age.

For Issue Ages 50 and above (20 Pay) and Issue Ages 55 and above (10 Pay), 50% of Total Premiums Paid LESS Minor Critical Illness Benefit paid.