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@rayeli If they both have death benefits, and one of them pays out dividends in the event there is no tragedy, wouldn’t it make sense to do the whole life?

My husband and I are both 33 y/o, we have a 2 year old and would like another child. We have some term life through work, but we’re considering additional life insurance outside of that. Our insurance guy recommended that we lock in a 30 year price guarantee for a term plan, but I don’t...