Insurance premiums are not forfeited, is that a lie or truth

Insurance premiums are not forfeited, is that a lie?! I have heard insurance promises and offers from marketers stating that the insurance premiums paid are not forfeited and will be returned in full 100%. So I will get free protection from the insurance company. Not many insurance companies are able to calculate premium payments and return the full premium 100% to the insured. Of course the insurance company will impose strict terms and conditions when it wants to return 100% of the premium to the insured. I have term life insurance by paying premiums for 5 years, and if there are no claims and regular premium payments are not late, then I will receive the premiums for those 5 years back. Yes, 5 years protection, free. However, there are also general insurance companies that offer motor vehicle insurance premiums paid by the insured to be returned in full when the contract ends. Of course, once again, there are several terms and conditions that apply. So if you receive any insurance offer