re: Who do you use for term life?

Some companies are adding living benefits to their term death benefits. In effect, the death benefit (or a portion) would be accelerated to the insured while alive in the event of catastrophic illness or injury.

While these plans may not be the cheapest, they are certainly within $10-15 per month of the cheapest rates. Just an extra hedge against what life may throw your way.

Good luck in your search.