<prompt> Human: I get the basics. Pay a premium, if I die my beneficiaries get money. Ive heard how they can be annuities that pay back if you dont die. Heard theres ones that are only for X years. What do I need to know to figure out whats right for my family? Any suggestions on what to read?  <response>: Buy term only. Never mix investments and insurance - those products benefit the seller, not the buyer. 