Life Insurance - Is There Money Back if You Don't Die?

Well, it depends on the type of life insurance you own.

Permanent life insurance lasts your entire lifetime so you have it until you die, which means you'll get nothing back because you will be dead.

However, term insurance is temporary for a specific number of years and you may outlive the duration of your term life insurance policy.

But, regular term life insurance does not return to you any premiums if you outlive the term of your policy.

There is return of premium term life insurance which does return almost all of your paid premiums if you are alive when your term policy expires.