I want a energy insurance policy that covers me for energy and i want to earnings for it up front?

Looking for all answers possible on the matter, Thank you.
There are a lot of different option available. Depending on what other goals you might have. It's probably best to work beside a fee-only financial planner (strategic planning) and a life insurance specialist (tactical planning). For instance, owning the policy in your christen increases the size of your estate (if you have or will have an estate problem), but gifting the premium to an irrevocable trust might be subject to estate tariff.

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Good luck.
Your best risk might well be a single-premium life insurance policy. As the given name suggests, the premium is paid upfront in a lump sum. The policy covers you until departure. The death benefit can be two or more times the amount of the single premium and is exempt from estate taxes. It’s a great way to surpass on wealth. Some single-premium policies can include a provision to pay for guaranteed kinds of medical care, such as nursing home vigilance or hospice care. In this sense, the policy functions as a kind of long permanent status care insurance. Any money remaining in the loss benefit at the time of the policyholder’s death is passed on to the beneficiary.
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Covers you for what? Will someone experience financial hardship if you die? If not, you don't need energy insurance. Don't waste your money. You could invest the amount you'd spend on such a policy and come out way ahead within the long run. Unless you are just trying to fatten the wallet of an insurance agent, or want to make insurance companies richer, only just a get a term life span insurance policy, and ONLY if you need it.

Here is a good article on determining if you obligation a life insurance policy:

http://lifeinsurancenow.com/how-to-buy-l...

And it you need a quote, here is one of the best sources to go and get a quote from:

https://www.expert-quotes.net/term_life_...

Good luck getting the correct answer from a life insurance agent. You are their wet dream. :)

Answers:    You can rate up front for certain permanent policies, this is not an remedy that makes sense for everyone. You can read more about single premium existence here.
http://www.investopedia.com/articles/pf/...
For exmple a 50-year-old male's $100,000 single premium might give a $400,000 death benefit.

You may want to consider visit a financial planner before you commit that much money to a life policy.