A Midwestern insurer is trying to address the concerns of consumers irked by the idea of not using their life insurance.

Fidelity Life Association, Oak Brook, Ill., says it is adding a return-of-premium rider to its Rapid Decision Term product.

Customers who buy the rider can get some or all of their premium payments back at the end of a full policy term, according to Fidelity Life.

The product is available with 15-year, 20-year and 30-year terms.

Fidelity Life is a mutual legal reserve company.