Don't talk to a ward member.
They will convince you to go Whole Life and you won't want to offend them.
The next thing you know, you're sending in a check every month to a bottomless hole and losing your shirt while you're at it.
It happened to me. Unfortunately, I was the EQ pres and the guy was a less active member and I was afraid he'd go inactive if I dropped the insurance.
Eventually, I had to do it and I cancelled the insurance and bought term.
The guy stayed active too so it all worked out at the end.
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"My favorite poster is Uteswin. Not only is he goodlooking, he really knows his stuff" - Ysmack
"BYU will destroy Utah." - BadCougar