<prompt> Human: My wife and I both 30 years old are expecting our first child in the next couple months. Have never had life insurance but feel it would be a good idea now. But were not sure what type to get.. Hoping for suggestions if possible.Debt:Mortgage with 180k remaining Income:75kyear me40kyear herSavings:About 60k in 401ks or iras About 30k savingsNeither has family nearby so if something were to happen to either of us, the other would probably sell the house valued around 270k and move to a different state near family. More likely for her to move than me I suppose. Anyways... What type of life insurance makes sense for our situation?  <response>: Life insurance guy checking in.Term Life could be a great fit for what you need. Factor in the fact that youre both still young so the longer you can log it in the better.Total bias here but Id strongly recommend finding a local agent or a few agents to get life insurance through them. I wouldnt buy a 500K product without at least shaking someones hand. Also most importantly youll want a company thats going to be easy for you or someone else to find or get ahold of. Ive seen so many policies that Ive reviewed where the policy wasnt what the customer thought it was or they needed to make changes like remove their ex wife and they couldnt get ahold of anyone to do it. 