2 Return of Premium Endorsement In the case that you choose to cancel your policy, the Return of Premium Endorsement returns a portion of your paid premiums back into your pocket. Endorsement details On or after the 10th policy anniversary, the Return of Premium Endorsement will pay you 25% of all premiums paid to date if you choose to cancel your coverage. Endorsement eligibility Policyholders are eligible for the Return of Premium Endorsement regardless of issue age. The endorsement is available to those who fall within the Non-Tobacco, Preferred or Select Preferred underwriting classes, as well as to those with table ratings up to and including Table 4 and policyholders with a 昀氀at extra premium up to and including $5 per thousand. Applicants are not eligible for this endorsement if they fall within the Tobacco underwriting class. 2 The Return of Premium payout cannot be greater than 50% of the lowest death bene昀椀t. 3