which is the best for a 65 year old male

Make sure you need life insurance.
Do you have dependents that cannot survive without your income?
Could your wife live off your social security payments and the money you have saved for retirement and savings?
If so, don't get insurance.
It would cost you an arm and a leg at your age.

WwW.kiel.li/lifeinsur


checkout second & third link on that website