Living a long and eventful life in the presence of family and friends is one of the biggest blessings. Investing in financial instruments helps in achieving income security and creating wealth for the future lifetime goals. Keeping one’s family secure of unfortunate events is a top priority for every individual. Buying an adequate life insurance is the ideal solution for these objectives. A term plan with return of premium (TROP) is a term insurance plan variant, that is specifically designed to cater to the requirements of the insurance buyers, as well as offer the benefit of return of premium as a survival benefit to the insured individual, in case they survive the tenure of the policy plan. In this plan, you can avail all the benefits of a simple term insurance plan, along with the income replacement and premium refund at the time of maturity.