u/Glittering-Tank-5007

So I am a 32-year-old female just had my first child and that’s what prompted me to look into life insurance. I’m relatively healthy. I was thinking about term life insurance 30 to 40 years and I know life insurance is for debt, etc. but some of us who aren’t so privileged can use this as a means for our family to also get a head financially. I got a quote from Banner life for $1 million 30year term for $54/month. There are no living benefits. I knew nothing of living benefits until I started reading some of the responses here. Is that something I should look into? I work in the healthcare industry. I used Policygenius as well.