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The most suitable choice for a healthy, 36-year-old mother aiming to ensure care for her children until they become self-sufficient is term life insurance. This type of policy provides coverage for a specific period, often 10, 20, or 30 years, allowing the policyholder to choose a term that aligns with their children's needs for financial support.

Term life insurance typically offers higher coverage amounts at lower premiums compared to permanent options. This is especially beneficial for someone in this situation, as the mother can secure substantial financial protection for her children at an affordable rate. If she opts for a 20-year term, for example, it would likely span the critical years in which her children grow up and head towards independence, ensuring that they have financial support in case of an unforeseen event.

Meanwhile, other types of insurance, such as whole life or cash value policies, provide lifelong coverage and often include an investment component, resulting in higher premiums. Such options may not be necessary for this mother, as she primarily needs to financially protect her children until they reach maturity, rather than accumulating cash value over time. Hybrid policies typically combine aspects of both term and permanent insurance but may not be the most economical choice for her immediate goal of child care.