ROP for a Term Product for 65 M?

Without more information its kind of hard to recommend a certain solution. Personally I like the TransAce UL from TransAmerica. It has a MSE (multiflex surrender endorsement) that allows 100% return of premium or 33% face at the 15th, 20th, or anytime after the 25th policy anniversary. It's a GUL that can solve other issues as well such as with their LTC rider. Might be worth looking at.
 
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