The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
You want your policy to have the maximum. potential to build cash value. You should consider a. whole life policy without using the Flex Term Rider. A moderate reduction in potential cash value is. acceptable to you in order to pay a lower premium. You should consider a whole life policy with a. portion allocated to the Flex Term Rider. You want the benefits of whole life and would be. willing to accept a significantly lower amount of. future cash value in order to reduce your premiums. to an affordable level.