re: Can someone give me Life Insurance Advice?

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I have a mortgage, and that is the only significant debt I have.

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Should I factor in credit card debt into this?

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Well, which is it?

Depends what your wife makes, what's left on your house, if your kid needs tuition money, etc. Being married with a kid while having no life insurance is pretty risky.

I did a 30 year term through Zander. It's a $500,000 policy for less than $300 a year but I was young and healthy when I did it. I think I've read a good starting point is 10 x's your salary but again, if your wife makes good enough money, you might not need as much. If she stays at home, get more.