<prompt> Human: Please before financial planners, agents, and estate lawyers get on my case understand my point of view. I am a young adult 25 and get coverage through my employer and purchase supplemental insurance through a national carrier.I have a young child and a few rental properties with loan obligations attached to my name. I have a retirement account and small CC, student, and auto debt. I received a quote for 500k coverage 295yr for Term and almost 3x as much for Whole Life. What should I do? Should I just continue to pay for supplemental and keep employer-coverage or invest in Whole Life or purchase a term policy until age 70-80?Assistant: Buy the term policy that covers you until your children are grown. Employer insurance can be risky because you could lose coverage when you leave the job. You get sick, lose job, now cant get insurance because of illness Human: I only have one child and relatively young about K-2nd grade age  <response>: Buy the term policy for at least 20 years. 