Risky Life Insurance

This week you discussed life insurance. You were warning people about a certain type of policy that tends to be riskier, (NOT Term life or Whole life). Unfortunately, I needed to get out of the car and could not finish listening to you. What is the category of those risky insurance policies and why are they risky? Or could you send me a link that explains this issue.
Thank you.

Terry Says:  Check out details of any column at TerrySavage.com by clicking on the green box in the left column.  .  Here’s a link to that particular column in my archives on HuffingtonPost.  Click on the highlighted text in the previous sentence.