I found this on Doctor of Credit's website just now...very, very tempting! http://www.doctorofcredit.com/american-express-starwoods-preferred-guest-spg-35000-point-offer-personal-business-highest-ever/
I do not understand the differences between different types (whole, term, universal, variable universal and variable). I want to ensure that my family is able to pay the funeral expenses, invoices, etc. Thanks!