Twenty-year term guarantees that as long as you make the level premium payments for the next 20 years, the insurance company will pay out to the beneficiaries if you (ahem) croak.
Finally, our train heaves out of the station and past the creeks of Mombasa Island, belching out plumes of thick smoke as we swoop around shanty towns where corrugated iron roofs glisten in the rain, and ditches where frogs croak in the darkness.