 Or log on to investyrefi.com. That's invest, the letter Y, then R-E-F-Y.com. And make sure you tell them Larry Elder sent you. Are you paying too much for term life insurance? There's a tremendous price war in term life. Industry rates have dropped dramatically in the past few years. For example, a man aged 45, non-smoker, can get a million dollars of coverage for $75 per month level rate for 10 years.