It is very difficult to advise anyone on the topic if life insurance (or financial plans) over the internet unless you want to reveal all of your financial situation (income, debts, expenses, savings, family size, etc.) Well, I suggest you find a local insurance agent or financial planner who can guide you.
There are two basic types on life insurance – term and permanent (whole life is onw type of permanent). I find that a combination or both types really works well to allow my clients to achieve their goals — have enough money if something happens early in life as well as having enough money to do things at the end of life to pay for funeral expenses, medical bills that come at the end, as well as leaving money for spouse or other family to grieve without financial worries.
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