tentacle - any of various elongated tactile or prehensile flexible organs that occur on the head or near the mouth in many animals; used for feeling or grasping or locomotion. feeler, antenna - one of a pair of mobile appendages on the head of e.g. insects and crustaceans; typically sensitive to touch and taste.
A term can be 5, 10, 20, or even 30 years. The coverage you can buy for life insurance without a physical exam can cover you up to certain policy amounts. This can be anywhere from $250,000 up to as much as $500,000, because these policy limitations vary greatly from company to company.
A parent can take out life insurance on a minor child without consent. If the child is over age 18 the child has to sign the application. If they forged his signature then you have a case. He can call the insurance company and tell them a policy was taken out without his consent. You only have to have an insurable interest when the policy is issued. A parent always has an insurable interest in their child even when the child is an adult.