assuming Utah resident, 35, male, nonsmoker, best health.

I got A+ rated companies, 20 year guarantee:
(for 500K)
Genworth $25/month
Lincoln $26/month
AIG $25/month
etc...

my brother sold ins. and says Term is the only way to go.

(just a misc. source)
http://www.intelliquote.com/default.asp?s endroicid=8713eae9-c2f1-4024-ba9b-45460d4c ea05&sendroikwd=term+life+quotes+broad

I hate it when ward members corner you and give you the pitch.

I carried a lot of insurance when my family was young, gradually I accumulated enough investments and dropped the life ins. (I was once told to never tell how much insurance I carried, because it might make me a target for someone to move in and collect it!)

I know a guy (my same brother that previously sold insurance) that has an enormous amount of loans, invested in real estate-and is now very wealthy, if he dies the loans are voided, TRUE, written into the loan contract a clever way of having your cake and eating it too. There are other ways of protecting your family and getting rich too. I can tell you more if interested. BTW, he will earn 400k cash this year (after costs)in rentals and motels, and he sits back and travels... and he was once a fired HS teacher.

Buy the term until you figure it out...