All Family Heritage policies have a unique feature called return of premium plans. This means that 100% of the premiums paid are refunded back to the policy holder after 25 years, minus any claims they've received. For example, if someone paid $15,000 in premiums and never needed to use their coverage, all $15,000 is refunded back to them after 25 years. If they collect a claim that paid them less than what they had paid in premium, the difference is refunded (collecting $10,000 in claims would still result in a $5,000 refund). If one passes away before 25 years pass, all premiums are then refunded to their beneficiary.