<prompt> Human: Hello rpersonal finance.I have Parent PLUS loans for about 45k outstanding at 7.9. I am currently paying 1425 on a minimum of 725. I am looking for a term life insurance policy that would benefit my parents for the term that I expect to have the loan about 3 years. Moreover if possible, I want the payout to be linearly varying over time; no use having 50k in payout when the principle is 15k.All of the term insurance quotes I have seen online have a high minimum payout relative to what I need or too long term I only need about 2 years, not 20. Is this theoretical policy feasible? Is the term too short or the payout too small? Where can I find quantitative analysts or insurance underwriters that will be willing to sell me something other than the stock fixed benefit fixed term policy? Thanks.  <response>: Id guess for the small amounts youre talking about no insurance company is going to bother to create special terms for you that would have to undergo separate underwriting. Even if they were willing, the cost would probably be greater than just buying 50k 10-year term and canceling in 3 years. If youre healthy, your costs will be less than 10 a month so you stand to save very little even if it were possible and cheaper. 