In this case it makes sense to look at permanent insurance with low cash values like a Guaranteed Universal Life (GUL) policy, owned by an irrevocable life insurance trust.
A GUL policy is also good for a situation where a spouse chooses the "Life No Refund" option at retirement as their pension option.
Meru became advisor to Gul Dukat, one of the leaders of the resistance and later Nerys' arch enemy.
There are times when a combination of term, whole life or GUL policies may make sense for a person.
Half a mile east of Kabul it is joined by the Logar, a much larger river, which rises beyond Ghazni among the slopes of the Gul Koh (14,200 ft.), and drains the rich and picturesque valleys of LGgar and Wardak.