Under duration, you'll also be able to get the very popular Return of Premium Term (ROP gives you 100% of your premium back at the end of the term....assuming you don't die that is) and "To Age 100" policy info we've already discussed. The other term insurance products (with no cash return) will give you options for non-guaranteed premiums. We'd generally guide you away from those products, but they're here for your review. A 30 year-term policy without a 30 year guarantee could go up after an initial period and there's no knowing how much it could go up. A guaranteed product is guaranteed. The non-guaranteed product is cheaper at least initially for sure. Need we say more about that? If so, just give us a call.