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Term Life Insurance: Purchase for the amount of years you want insurance, up to 30 yrs. When time is over you receive $0 back.

Return of Premium Term: Purchase for the amount of years you want insurance, up to 30 yrs. When time is over you receive your money back, less fees, if you have not perished.

Indexed Universal Life: Good for term of your life. Can build cash value which you can take out tax deferred or tax free. If you are diagnosed Terminally Ill receive death benefits while still living.   Interest Paid: 1% - 13.25% (around 7.48% for 2017)