If so, cash back life insurance may be right for you.
A money back life insurance policy is a type of term insurance plan that returns all of your premiums to you if you are alive when your policy expires.
For instance, if you buy a 10 year term policy and you outlive that ten year period, when your coverage ends, the insurance company would return to you all of the premiums you paid while you had your life insurance "In Force".
This is referred to as a return of premium life insurance policy.
However, the premiums are higher than regular term life insurance.
But, if you survive the duration of your life insurance term, you get your money back.