@Des I don’t have a big budget because I got laid off but would like to have something.
whole life is better than anything else because it’s guaranteed to pay out when you die NOT IF (anything but whole life ex: term, accidental, etc.) and it also adds cash value so you have living benefits with it too pm me if you want more info on it my man is a licensed agent in a bunch of states!
My mans work also has a plan for 30k of whole life until death with 200k of accidental coverage until 80 years old and it’s $29 a month with my babies on it as a child rider
I don't have any recommendations. It all depends on your budget and if you want to policy to earn cash value.