What type of Life insurance (such as term, whole life, variable, etc.) would you recommend for each of these clients and why?

1. A highly successful risk taking widow age 50 with 4 kids ages 14, 20, 23, and 24.She has a high income ($200k) but few assets saved.She is in great health and expects to live to be in her 90s.Her needs approach shows $1 million dollars, but she doesn't want to spend all her money on life insurance she may not need cause she is worried about her retirement.

2. A conservative married man age 50 who owns 15 gas stations in town that are worth over $12 million dollars.His wife is 30 and his 3 sons are all in their 20s with jobs in his business.He wants to work until he dies. He plans to leave all his cash, other investment assets, one million in life insurance, and the fully paid house to his wife, but wants to leave the business in equal shares to his sons.His business is his legacy he intends to pass down his family line for generations.What type of life insurance is right for this man?

3. A low risk school teacher married to a successful lawyer with no kids.His income is used to pay all the bills and save for his retirement.Her salary is used to travel, have fun, and save for her retirement.He has a 3x salary policy with $750,000 from work.She has nothing.She also does most of the cooking and cleaning while he plays golf and hunts on weekends.Might there be a life insurance need and if so how much and what kind?

4. A middle aged couple (60 and 61) with an adult kid (37) and an elderly father that has moving in with them cause he is struggling to take care of himself (age 81).The husband and wife each earn $60,000 and get a total of $100k from work in life insurance ($50k each).They want to retire as soon as possible and have pensions that will pay them decent incomes in retirement.