Is ROP term life insurace worth it?

The qoutes I've been getting for term life insurance (250k for 30 years) seem to be around $26 per month. The rates I've been getting for return of policy term life insurance (250k for 30 years, also) seem to be around $36 a month...just $10 more a month. Is this worth it? Also, what are some good company recommendations to go with for term life insurance?

this discussion has been hashed out already on at least two occasions here so i refer you to these threads:
http://forums.kiplinger.com/showthread.php?t=13856

http://forums.kiplinger.com/showthread.php?t=2321&highlight=insurance

i am no pro so i defer to those who are in the biz, but it seems to me that 30 yrs is a long time to see a return on the $$$ you put in whose value will have been eaten away by inflation, but the threads above show some ways of looking at it that MIGHT put it in a more favorable financial picture. good luck!