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Which of the following statements is true regarding return of premium term insurance? The amount returned is only the base premium and does include the

Which of the following statements is true regarding return of premium term insurance?
The amount returned is only the base premium and does include the cost of any riders.
The return of premium is only offered on one-year term insurance policies.
Life insurers charge less for this coverage than for regular term insurance that does not include a refund provision.
The insurance is free because premiums are refunded at the end of the coverage period.

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