Choices:

1. Term:  from 1 year to 30 years. Up to $25 million.

2. Lifetime Level:  a flat level premium for as long as you live. It's like Term, but unlike Term it has no expiration date. It is a Universal Life policy but you pay the same premium for life.

3. Return of Premium (ROP):  You pay more per month but if you pay the required premium, it always pays back. At the end of the selected term, you get all your money back (or your beneficiaries were paid before that).

No Lower Price:

You are buying direct from the insurance company. They pay us, you don't. The premium would be the same if you applied in person at the insurance company's office.   Medical exam necessary.