Colonial Penn is not telling it like it is. True, you can buy a life insurance policy for $9.95 a month but it a unit price...and I just bought 2 units of life insurance that is for a little over $800 but at my age...you cannot do any better...but you have to wait two years before it matures, and if something happens to me (heaven forbid) the thought the only thing my heirs will get is the money I paid into their fund...BUMMER.