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Another nice-to-know is utilizing the ROP, you either get the premiums returned if you outlive the insurance policy or your beneficiaries obtain the death benefit – not both! While using the regular term, if you were investing the difference, they might be separate entities. If you outlive the policy, you get to keep ignore the. If you are to die during the term, your beneficiaries get both the death benefit as well as your time and money.