I've seen advertisements for term life insurance with the premise that if you outlive the term, you get your premiums refunded. It was significantly more expen

I've seen advertisements for term life insurance with the premise that if you outlive the term, you get your premiums refunded. It was significantly more expensive than equivalent conventional term insurance. I assume that was a high enough price to be basically covering the real wholesale cost of the death benefit, and an investment package to cover the risk of reimbursement.