Unlike a pure term plan that provides only the death benefit as part of the coverage, a Term Plan with Return of Premium (TROP) pays out the total of all premiums paid during the policy period in case the policyholder survives the policy. Premium paid towards a life insurance policy is usually seen as an expense by some people as the insured does not get any money in case he survives the policy term. A TROP is a good alternative in such a scenario as one is guaranteed to receive the entire premium at the end of the policy term, making the proposition attractive.