Is it worth adding the “Return of Premium” (ROP) option to your critical illness plan?
Author: Victor Camba
It sounds attractive. You buy a critical illness plan in case you are diagnosed with a critical illness, such as heart attack, cancer, or stroke. If you are still healthy after a certain period of time, you get all your money back!
I’ve been asked many times if the ROP option is worth the extra money. I always say: “it depends on your particular circumstances and needs.”
To understand this, let’s examine the premise behind obtaining this feature.
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