Cost-saving "No Load" Term Life Insurance??

The question got cut off. It should read,

"Can you point me, right now, to a "no load" term life insurance policy that will (by virtue of paying no commissions) result in cost-savings for the buyer?"

So, have any of you ever spotted this mythical creature?

I know the no-load policy exists in permanent insurance and does help consumers (on early liquidity, especially). I have even helped place a handful of these contracts.

This is not about permanent policies. This is about TERM POLICIES, ONLY!

But for term life insurance, I've never found a no-load policy that resulted in any sa
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