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Which life insurance policy to buy is often a difficult decision for many people. If you buy a term life policy, you may get a great rate, but your policy will eventually expire. Whole life offers permanent protection, but it can be very expensive.
There is an innovative product which gives you the best of both worlds. It's called "Return of Premium Term Life Insurance" Like a typical term plan, if you died during the policy term, your beneficiary would receive the full death benefit. However, if you kept your policy and did not die during the term, you would receive a refund of the entire amount of premiums you had paid for the policy. It's protection if you need it, and money back if you don't.