Return on Insurance
...a process that was created to un-bundle and enhance an underutilized insurance strategy. Many insurance companies offer what is referred to as Return of Premium (ROP), which is accomplished by the overpayment of premiums in order to receive some or all of your money back at a future date.
A significantly rewarding concept, but here is how we make it even more efficient and effective. Rather than pay excess premium into a specific policy, we create a separate contract where the money accumulates tax-free and can be designed to recover all of your personal and/or business insurance premiums.
The benefits of separating the method of recovering premiums from any individual policy is key, because this means you eliminate the inflexibilty traditionally associated with ROP. No longer will your ROP strategy require you to be locked in to a particular insurance company or a specific contract.
You will retain the ability to switch any of the insurance carriers or products that are utilized for your risk management plan at any time that we find a more cost effective solution without having to forfeit the ROI benefits accumulated.