Hi so I’m new to life insurance I have one offering me IUL 300k for 99$ , another with term of 30 years w the contingency that they can’t deny me if I get sick is about 50$, the last one offers me that I pay 240 a month for 450k and if it exportes they give me my money back that I paid for the past 30 years. So term with cash back. Which one would u guys go for ? I am scared of the 240 because I know I can pay it now but what if I can’t later on in life.