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.
Permanent life insurance has an attractive feature: it has a âcash value.â. The cash value is the amount the policy is worth if it is cancelled or âsurrenderedâ while you're still alive. The cash value won't be as much as benefit value â the amount the policy would payout when you pass on. But the cash value can grow large enough to make life insurance a useful tool for investing.