Can a Return of Premium Rider/product Be Purchased Separate from the Individual Insurance Policy?

I had an interesting discussion this weekend with a client. Has has bought a Return of Premium (ROP) Term Life insurance Plan and really likes the rider. He asked if a ROP can be added to other types of insurance. I have seen ROP Riders on supplemental health plans and Term life insurance but he was asking about it for other types of insurance. This made me think, can someone buy a Return Of Premium Rider as a separate product to have it be part of other types of insurance. I know in some cases it does not make sense. Although he has had homeowners insurance on his home for over 30 years witho

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