George Wong is 40 years old. He has a secure position as a chemical engineer. His steadily growing salary and the family's savings will allow George to retire at around age 60. He does not mind paying high premiums to purchase life insurance that will protect his wife and children after his death. A savings feature is not necessary, but George will buy a policy that has one. However, he does not want to make premium payments after he retires. The type of life insurance that best addresses the Wong family's needs is