Title: Return-of-Premium Disability Insurance
Headings: Return-of-premium disability insurance
Return-of-premium disability insurance
How does the return-of-premium rider work?
When the rider pays out
How much the rider pays out
Long-term disability is the best type of disability insurance for most people.
How much does the return-of-premium rider cost?
Why the math doesn’t add up

Content: Long-term disability is the best type of disability insurance for most people. Let our experts help you find the perfect income protection policy. Get started
How much does the return-of-premium rider cost? Return-of-premium disability insurance seems like a good investment, but it can be cost-prohibitive. While estimates vary and depend on both the insurer and insured, the rider may double or even quadruple your premiums. Why the math doesn’t add up
You may need disability insurance to protect your income, especially if you have major debt obligations like student loans or a mortgage. But you might be better off taking what you’d be spending on the rider and investing it into a savings account. Here’s why: Say you pay $100 per month for a long-term disability insurance plan with a $5,000 per month benefit amount. That same policy could cost as much as $400 per month with a return-of-premium rider that pays out an 80% refund of the premiums you paid every 10 years.