The insurance business has many ups and downs, and it can get really confusing when you consider all of the choices for life insurance. Now, there is another alternative. Companies are now offering insurance that gives you all of the money you paid in if you live past the maturity date on the policy. You will pay about 40 percent more for this policy than you will for regular policies. The two main types of life insurance are term and whole life. Term insurance just pays out money when you die. Whole life is much more expensive because it pays a death benefit and it’s a savings account. The truth is that most people do better with term insurance than they do with whole life insurance. So, what about this new kind of insurance? If you follow all of the rules, it can be a great return. But there are a lot of issues and ifs that arise. Most people bail on these policies before they’re up because they are sick of paying so much money. And, there is the chance that you will die before it ends. So, stick with simple term insurance if you don’t want the uncertainty and risk. It’s very easy to shop for term insurance online at the various comparison sites.