You pay your premiums and if you outlive the policy term, you get back most of the premiums you paid to the life insurance company over the life of your policy.
Usually, most of the return of premium term life plans are Level Term life insurance policies.
Level term life is term life insurance that provides a specific amount of life insurance that remains the same each year for the life of your policy.
In addition, the premiums you pay will not increase or decrease, but will remain level throughout the entire duration of your term life policy.
Learn more about a return of premium term life insurance policy and how it works.