Termsetter ROP
Cincinnati Life’s Termsetter ROP combines the advantages of our Termsetter policy with a return of premium feature. Your client’s base premiums are returned at the end of the guaranteed term period provided the policy is in force and the insured is still living.
Term Options: 20, 25 and 30 Years
Issue Ages:
- 20 Year: 18-60
- 25 Year: 18-55
- 30 Year: 18–50
Minimum Face Amount: $25,000
Conversion Option Available
Riders Available: Accelerated Benefit, Children’s Term Life Insurance, Accidental Death Benefit, Disability Waiver of Premium
Sales Tools
| Audience | Document | Updated | Link |
|---|---|---|---|
| Consumer Use | Business Life Microsite | 09/12/2025 | Click Here |
| Advisor Use Only | Forms | 11/20/2025 | Click Here |
| Advisor Use Only | Product Microsite | 09/12/2025 | Click Here |
| Advisor Use Only | Portfolio Snapshot | 09/12/2025 | Click Here |
| Advisor Use Only | Conversions Advisor Microsite | 09/12/2025 | Click Here |
| Advisor Use Only | Rapid Review Microsite | 09/12/2025 | Click Here |
| Advisor Use Only | Multi-Carrier Underwriting Guide | 04/23/2026 | Click Here |
Product Resources
| Audience | Document | Updated | Form Number | Link |
|---|---|---|---|---|
| Consumer Use | Choosing the Right Direction – Term vs. Permanent Life Insurance Consumer Flyer | 09/12/2025 | CLI-20020 | Click Here |
| Consumer Use | Taking Care of Business Consumer Worksheet | 09/12/2025 | CLI-20093 | Click Here |
| Consumer Use | Protect All That You’ve Built Consumer Flyer | 09/12/2025 | CLI-20122 | Click Here |
| Consumer Use | Coverage and Choice in One Package Consumer Flyer | 09/12/2025 | CLI-20170 | Click Here |
| Consumer Use | Living With Peace of Mind – Accelerated Benefit Rider Consumer Flyer | 09/12/2025 | CLI-20094 | Click Here |
| Consumer Use | Rapid Review “What to Expect Next” Consumer Flyer | 09/12/2025 | CLI-20149 | Click Here |
| Advisor Use Only | Advisor Guide | 09/12/2025 | CLI-20011 | Click Here |
| Advisor Use Only | Rapid Review Guidelines | 09/12/2025 | CLI-20168 | Click Here |
| Advisor Use Only | Tobacco and Marijuana Guidelines | 09/12/2025 | CLI-20134 | Click Here |
Dedicated Team
2026 fmiAgent Point Awards
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