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This implies that if you as the insured survive till the maturity of. Benefit on maturity. Latest Irda Claim Settlement Ratio 2019 Data Life Insurance Life Insurance Companies Life Insurance Best Life Insurance Companies 2 Return of total premiums paid on completion of policy term. Term insurance plan with return of premium . However there are no accrued benefits in the event of the maturity of the plan in case the policy holder survives the policy term. An ROP plan pays back your premiums in part or in full if you outlive your policy. Term plan with return of premium also known as TROP is a variant of term insurance plan which is specifically designed to cater to the requirements of the insurance seekers. As the name suggests Term Plan with Return of Premium is essentially a term life insurance policy which offers long term financial security against accidental injuries life. Learn more about the Return of Premium Term Plan. It is often referred to as a pure and straightfo...