Think of term coverage like car insurance, you are paying for coverage until the coverage is cancelled (the term expires). With term life you are simply paying for the coverage at death to a dependent to cover financial expenses. And like car insurance, you don't get any money back when the "term" is completed. It's hard to say what the insurance company might invest their float into, but for you it doesn't matter. Insurance should never be used as an investment.
Term is cheap, buy a 20-30 year term policy and focus your investing desires on actual investments. If at the end of the term you are debt free and have several hundred thousand in the bank, consider yourself self-insured.
Try
Term Life Insurance Quotes, Life Insurance for quotes.