Mortgage Protection plans are Term-Life Insurance policies that are structured to pay off a borrower's mortgage in the event of their death.  Waiver of Premium Rider's attached to a policy protect the insured in the event they can't afford to make premium payments due to job loss.

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Return of Premium options give the policyholder the option of getting 100% of the premiums paid toward the policy back at the end of the policies term length. These policies are great to use in conjunction with employer coverage, due to the fact that employers typically only offer 1x-2x the annual salary.