[Sylvanfan]

You need to talk with a Financial Planner to determine exactly what your needs are from the Life Insurance before you decide what to do. How much coverage do you need, what do you need it for, will you need to adjust it within 5 years. Things like that can affect what type of coverage you should opt for. If you don't have any real specific needs, ie. you're single with no dependents, and just need it to pay off any final expenses than buying term insurance will likely be your best bet.