Maribeth, Decreasing term is a term policy that actually lowers the face amount every year until the term ends. For example, a 30 year term policy can start off insuring you at $300,000. By the end of the 30th year, the policy could be decreased to $0. Keep in mind, that your premiums will remain the same! How can this type of term benefit your family, you ask? You should ask the agent who wants to sell you this policy. I doubt you'll be satisfied with his/her answer.

I would also use a vpn if you are planing on sending sensitive information accross the wireless

Take a look at the sonicwall line of firewalls they have built in vpn technology