ROP term

http://www.smartmoney.com/personal-finance/insurance/which-life-insurance-is-best-16975/

http://forums.kiplinger.com/showthread.php?t=2321&highlight=insurance

http://www.goodfinancialcents.com/should-you-buy-rop-return-on-premium-term-life-insurance/

the 2 major flaw is you cant get all your money back unless u keep it the full length, and you could do better on the investment side on your own!