There are no more premiums due and he gets nothing from the insurance company except the right to renew the policy for a longer term and/or the right to convert the policy to permanent insurance without a medical examination. Policies other than term insurance cost more than term insurance initially and the additional premium provides essentially one thing”savings for the person insured. Now the main question to answer from an investor's point of view is, "What do I get for this additional premium in the way of a return on my money?" Possibly the best way to determine the yield or return on insurance is to compare different kinds of policies purchased at different ages. Since the rate or premium and what you get in the way of a return for paying this rate both depend on the kind of policy you purchase and your age when you purchase it, a table has been prepared covering the different types of policies purchased at three different ages”25, 40 and 55. There is no rate of return possible on a term insurance policy.


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