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I knew that is what you mean. Still not a fun conversation.
"Yeah, so your return of premium was eliminated because you became disabled 2 years ago. Sorry, but all that extra premium, the company kept it. Guess you shouldn't have bought that ROP rider."
But the whole ROP sale is the incase you never used it... Now they have coverage they may not have bought.... I have offered ROP term and DI as options have sold a few term no DI and let's face it I'm not a big believer in ROP myself and people tend to buy what I recommend.