Aaa Life Insurance Return Of Premium. AAA's other life Insurance options are contingent on a potential medical exam, so you may want to look elsewhere if you're set on skipping the medical If you choose the traditional term life option with the return of premium, you won't have the option to add additional riders. Watch Byron as he explains more about how this "Return of Premium" or "ROP" option works.

If you're looking for higher policy.
Return-of-premium life insurance promises to refund the money you paid if you don't die during the policy term.
However, "return of premium" (ROP) term life insurance removes that negative. You can add a Return of Premium rider to this policy. You'll often hear commercials highlighting the low cost of term life insurance.