- Quotes onlineFrom several insurance companies
- Apply onlineStart and sign the application online
- Licensed in CaliforniaInsurance license 6019379
- Questions?Call Wolf: (619) 382-3810
What it is
Term coverage, with a possible refund at the end.
Return of premium is a feature of term life insurance. If you outlive the term and no death benefit was paid, it refunds part or all of the premiums you paid.
Like other term life insurance, it covers a set period of time, and the death benefit is paid only if the insured dies during the term.
Things to know
- These policies tend to cost more because of the possible refund.
- The refund can be part or all of the premiums, so it isn’t always a full refund. The policy states how it works.
- If you live beyond the term you selected, no death benefit is payable.
- Coverage, price and approval are decided by the insurance company.
How it works
- 1
Get quotes
Enter a few details on Wolfcrest’s quote page and see quotes from several insurance companies.
- 2
Apply online
Start the application online and sign it electronically.
- 3
Get help when you want it
Call Wolf at (619) 382-3810 with questions at any point.
Online quote
See quotes and apply online.
See life insurance quotes from several insurance companies and start an application online, on Wolfcrest’s quote page with our life insurance brokerage partner, BackNine.
The quote opens on BackNine’s website, our life insurance brokerage partner. Details you enter there are handled by BackNine and shared with Wolf as your agent. If you request a quote, a licensed insurance agent may contact you.
FAQ
Questions people ask
What happens if I outlive the term?
If no death benefit was paid, the return of premium feature refunds part or all of the premiums you paid.
Does it cost more than regular term life insurance?
Yes. These policies tend to cost more because of the possible refund.
Can I return a policy after I buy it?
Yes. In California a new individual life policy gives you a period to review it and return it for cancellation, between 10 and 30 days, and at least 30 days for seniors. Your policy states the exact period.
Other types of life insurance
- Term life insuranceCoverage for a set period of time. Most term policies don't build cash value, and the cost of term insurance goes up as you get older if you renew.Learn more and get a quote
- Whole life insuranceDesigned to cover you for your entire lifetime. Part of what you pay builds a cash value, which is often low in the early years and builds later on.Learn more and get a quote
- Universal life insuranceFlexible premiums, including guaranteed universal life and indexed universal life. If the cash value reaches zero, the policy could lapse.Learn more and get a quote
- Final expense life insuranceSmaller policies meant to cover funeral and burial costs. They can be expensive compared to other life insurance, and some won't pay the full amount if you die before paying a required amount.Learn more and get a quote
- Long-term care insuranceDesigned to pay or reimburse covered long-term care costs, like help with everyday activities. Medicare doesn't pay for long-term care.Learn more and get a quote
- Accidental death insurancePays a stated benefit if death is caused by an accident. It doesn't cover illness or natural causes, and it isn't a substitute for life insurance.Learn more and get a quote
Sources: NAIC consumer insurance topics: life insurance · California Department of Insurance, life insurance guide. Coverage, price and approval are decided by the insurance company.
Important information
- If you request a quote, a licensed insurance agent may contact you.
- Insurance: Coverage, price and approval are decided by the insurance company.
- Quotes open on BackNine's website. Details you enter there are handled by BackNine and shared with Wolf as your agent.