CG is pleased to launch Return of Premium life insurance, a new plan that provides reliable protection for your loved ones, with the added benefit of cash back if you outlive the policy term.

It’s for people who want protection with upside: if the unexpected happens, your loved ones are protected; if it doesn’t, you can receive a portion of your premiums back. Return of Premium delivers dependable coverage with a meaningful payback, helping you protect what matters most while adding value to your future.

Why Return of Premium matters

• Protects what matters most: Life insurance can replace lost income, cover mortgage payments and support education, ensuring your plans stay on track even if the main provider is no longer there

• Encourages smart planning: With premiums returned at scheduled intervals, the plan helps you stay protected while saving for medium to long-term goals

• Keeps up with life: Coverage increases each year to help keep pace with rising costs

How it works

• Protection plus cash back: Keep your policy active and pay premiums on schedule, and you will receive refunds at set milestones — for example, years 5, 10, 15 and at the end of the term

• Simple and transparent: You will always know your coverage amount, your premium and when you can expect cashback payments.

For individuals and families who prefer certainty, Return of Premium provides protection when it matters most, with the potential to receive your premiums back at term end.

Who it’s right for?

• Young families looking for coverage during their peak earning and child-rearing years.

• Homeowners wanting protection that matches their mortgage, with refunds that can help fund big goals.

• Business owners seeking straightforward coverage for key obligations, with a savings-style payout at the end of the term.

Take the first step

Life Insurance Awareness Month is the perfect time to review your coverage, explore your options and make a confident choice. CG’s life insurance team is available for no-obligation reviews to help you find the plan that fits your future.

• This is a paid article by CG Insurance. All opinions are exclusive to CG Insurance and independent of The Royal Gazette editorial