<prompt> Human: Age 28. Getting married next year. Planning kids in 2 years.Have mortgage, requires both our incomes.1 I am wondering if it is smart to go get a 500k term life insurance policy now so that I lock in at the best price before I turn 30 and kids start coming?Our mortgage requires both our incomes, so my belief is that if one of us pass, I wouldnt want to be forced to sell the house.Is now the time or should I wait until kids and not worry about the mortgage?2 If it sounds like a good idea -- 30 year? 20 year? Whats the most efficient way to make sure I get the best price from the A listed insurance companies? Ive gotten quotes in the last 12 months during mortgageauto insurance process and they have varied between 25-45 for 500k policy no ROP not interested in ROP its not an investment.Advice?  <response>: is excellent, despite its need for a web designer. Getting it now, or at least in the next year, certainly makes sense. Definitely good to do before youre pregnant, because that interferes with the medical screening.20 vs 30 is going to depend on how many kidsspacing you plan on and your expected savings rate. If you expect to have enough saved for kids college and enough saved for retirement for the remaining spouse to fall back on, 20 years could be fine. If you want to have 3-4 kids over the next 7-8 years, then Id look at 30. 