re: Can someone give me Life Insurance Advice?

It seems that GoCrazyAuburn is giving good advice to me. My advice and I own a Insurance and Financial planning firm is to sit down with someone and let them show all of the pros and cons about the various forms of insurance coverages.
Don't listen to people that tell you to absolutely not do or to do only one kind of planning. All circumstances are unique and should be treated as such.
I have clients worth over 50 million that buy permanent insurance and spend over 240k/yr for it and I have regular hard working families that buy term. Different reasons for different results, one is not right and the other wrong they are right for their particular needs.
In addition I have had a spouse pass away while she was young from cancer. It didn't run in her family and came out of nowhere. I was absolutely depressed for over a year and my own income suffered because I didn't want to work. Take this conversation very seriously and sit down with a reputable person and solve the problems that are specific to you and your family.