With lifetime term, you can get long term death benefit guarantees normally associated with whole life insurance at a price that more closely resembles level term insurance. (termland.com)
If the insurance is needed for long term death benefits with the ability to accumulate cash, whole life or universal life may be the best alternatives. (termland.com)
That figure actually includes congenital anomalies, which account for nearly 50 % of term deaths. (skepticalob.com)