A Critical Illness Insurance policy from Mutual of Omaha Insurance Company, (Mutual of Omaha), has a built-in Return of Premium option upon death.

If you pass away while your policy is in force, you’ll receive a lump-sum return of premium to your designated beneficiary. The amount they receive will be 100% of all premiums you

paid for your policy and attached riders, minus any benefit we paid under your policy and attached optional riders.