names of companys or what type of policy i need please

yes!
buy property, don't waste your money on a pipe dream Insurance is a fraud ask the people of New Orleans how Sate farm screwed them for billions,
buy American property, Homes or just open land, the price is so low you can buy a house in most major cities for pennies on the dollar. we have 4,000 acres south west state. we purchased for 30,000 us dollars.
In ten years after the G.W. Bush organization has melted into history my property will be worth billion's

That would be a whole life policy, the biggest scam ever perpetrated on the American public.
If you have family depending on your income, you need a term life policy its much lower in price and you can get more coverage. It does only pay if you die. Do some research, but Savings Bank Life Insurance is usually the cheapest.
However its about a third of the cost of whole life which doesn't gain all that much. Take the other two thirds you would have paid the insurance co. and buy long term CDs if you are reasonably young and don't anticipate needing immediate liquidity. If you do need that liquidity, make it shorter term, but less interest in that. It still pays better than the whole life policies do.
CDs are safe

OMG you're not mortal?

Just kidding...sounds like you want an annuity instead of a life insurance policy...you should do research on personal finance, Suze Orman gives out lots of good info on different types of policies.