Term life insurance policies come with many different provisions, but perhaps the most important is the free look period of life insurance contracts. Insurance companies are quite pedantic about their payouts and any discrepancies that occur inside the paperwork could be a viable reason behind these phones reject your claim and steer clear of a payout of benefits to a policy holder's dependents. If a job candidate were struggling to pass the exam, they wouldn't normally be able to obtain a policy.
If the Rose Faustini increase is too high, the insured can cancel. Paying for the services, with a time when you're still numb and reeling in the sudden loss of the family member can be hard, to say the least. Decide around the type of term policy that would fit your needs.
A 20 year term policy may likely do the trick. A common mantra would be to "purchase term life insurance and invest the difference.