<prompt> Human: My husband is 61, I am 29. Appreciate if we could avoid commentary on the age difference. We hear it a lot. We know its unusual. Nothing nefarious here, just two people in love. Thanks. He has a term life policy from before we met for 400K that expires in 2027. We are looking at life insurance policies for both of us now and I was hoping to get some input from people with more knowledge.x200B;Given my age, does it make sense for me to look at whole or universal life? Is there a benefit to one over the other? Should we get a new life insurance policy now for him while he is younger? Or let the current policy ride and then look at our options for him again in 2027? The rate on his current policy is really really good 110month, so Im hesitant to let it go.x200B;Here is some additional info that might ? be pertinent:Annual combined income of 200K-250K. Varies each year due to large bonus components on both our income.Save approximately 60 of our income. Recently debt free except for mortgage on a rental property 90K. Husband plans to retire at 65. I will reach FI at about 40.Our high income is a recent development and while in a few years we should be in very good shape financially, right now, if one of us passed, it would significantly impact the survivor. Its probably more important for me to be covered with a good policy as I am the primary earner and husbands retirement will be significantly set back if something happened to me. He has always been a spender and didnt have much of a retirement plan until I took over our finances.Let me know if you need more info.  <response>: does it make sense for me to look at whole or universal lifeNo. Whole life never Universal life never term life only if someone depends on your income 