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.
Thus the name of a king of Ur, generally read Ur-Bau until quite recently, is now read Ur-Engur; for Lugal-zaggisi, a king of Erech, some scholars still prefer to read Ungal-zaggisi; the name of a famous political and religious centre generally read Shir-pur-la is more probably to be read Shir-gul-la; and so forth.