...life insurance for myself...? I am a 25 year old African American female. I have no children, I do not smoke, I do not yet own a home. I have some medical issues, mostly sinus related, and have had 3 surgeries (2 this Fall). I would just like my parents to be covered if I die, so they can payoff my educational loans and my car, funeral, etc.

I would also like to keep this insurance for the long term, I here there are ways to get tax benefits from it? I do plan on having childing some time down the road.

What would be the best: Term, Whole, Universal, Inuities, or Child Protector? I will be going through AAA.

Thanks