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Life · Chapter 6 · Settlement Options

Refund Life Income Option

Definition
Lifetime income with a guarantee that the full original death benefit gets paid out: if the beneficiary dies early, the balance goes to a secondary payee — as continued installments (installment refund) or a lump sum (cash refund).
Easy to confuse with

These are what this term gets tested against — if you can't tell them apart cold, drill the contrast.

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Verified against primary sources · 2026-08-10