Lupa is in the market for an insurance product that will provide income during her retirement. Lupa is scared that if she buys an "annuity" and she were to die shortly thereafter, she would "lose" all of her investment (i.e., there would be nothing left to go to her heirs). What type of insurance product should Lupa not purchase to ensure that she can receive income for life and provide for her heirs if she were to pass away shortly after buying the product?