You should consider TERM INSURANCE or a REVERSIONARY ANNUITY. 1) Term Insurance will provide a lump sum available at the time of death. 2) A reversionary annuity will provide you with a life income at the time of death. ...
Source: http://insstate.com/articles/
You may want to check out my other guide on annuity funds, selling annuity, annuity information, and annuity leads.