If a life insurance policy includes a return of premium rider, what will it pay upon the insured's death?

When a life insurance policy includes a return of premium rider, it provides an additional benefit beyond the standard death benefit. In this case, upon the insured's death, the policy will pay out both the total premiums that have been paid over the term of the policy and the face amount of the policy itself.

This rider is specifically designed to return the premiums to the policyholder’s beneficiaries in case of the insured's death, ensuring that not only does the beneficiary receive the face amount of the policy, but they also benefit from the amount that has been contributed via premiums throughout the policy period.

The presence of the return of premium rider makes the policy more attractive, as it offers a combination of life insurance coverage along with a sort of savings benefit, thereby providing greater overall value to the insured’s family or beneficiaries in the event of a claim.

Other options may suggest only the face amount or only the total premiums, but they do not reflect the full benefit of the return of premium rider, which is designed to provide a comprehensive payout.