Term Life Insurance Quotes!

I am 25, my wife is 25 and my son is 4 yrs old. I think its about time i got life insurance. Im slightly confused because most of the websites i have visited offer insuance for term cover? I dont have a mortgage or anything. Most of the insurance companies offer term cover up until 40 years which would only make me 65 and if i dont pop it then i lose all the money i have paid over the years. I want insurance whereby if anything ever happens god forbid to myself or partner at any age then i want to be sure that i will have the financial protection for my family. I would like a high amount to be paid to the other partner should any of us pass away. I want it to be a guaranteed lump sum regardless of the cause of death, i also dont want to be restricted by age. What am i looking for. Please help.

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