Is Term with Return of Premium Better Than Mortgage Protection Policies?

I'm a newbie and have been recruited by a few mortgage protection companies, but when I look at their quotes they seem high.

Wouldn't a regular term with ROP be a better choice? I talked to an AIG rep and his quote for a 35 yr old male, non smoker , 20 yr policy with ROP , $250K , was half of Americo's quote.

I know the commission on mortgage protection is very well and that is why a lot of people sell it.

What is the commission on a term product with ROP?

Thanks
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