An estate planning firm is promoting a life insurance return-of-premium program for insureds ages 68 and older.

EAGiL Financial Group L.L.C., Woodcliff Lake, N.J., says the “Premium Return Option” program will return premiums to older insureds after 2 years, “regardless of the reason.”

EAGiL is the parent of EAGiL Life Settlements L.L.C., a life settlement provider