@jsc2009 I think a blend of term and a permanent policy make sense for your age and needs given you are a parent. I wouldn't personally go with whole life, but it depends on your risk profile.
@jsc2009 One thing to consider is that the ROP of $20k in 30 years, with inflation, might have the purchasing power of $6 or $7k in today's dollars.
Consider buying a term and invest the difference in premiums with those of a ROP. You could invest in a 529 or just add it to an index mutual fund to have some long term savings.
