Just go for simple term plan, invest balance in a safe bank FD which would fetch you 8 % guaranteed returns. (myinvestmentideas.com)
Farmers Simple Term — The Farmers Simple Term plan offers death benefit coverage that starts at $ 75,000, and protection that remains level for 10, 20, or 30 years. (chooseterm.com)
Embedded with all the benefits of simple term plan, TROP offers income replacement and premium refund at maturity. (policybazaar.com)