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My wife has convinced me that the time has come for us to become responsible and get some life insurance that will take care of our children in case anything happens to us. Unfortunately, we need both of our incomes to get by so if something were to happen to either one of us the survivor would suffer severe financial hardship. 

I have done a bit of research recently so I could make a good decision.  I found a website that clearly explained the difference between whole life and term life insurance.  Someday I want a whole life policy, but for now the term life is what we can afford.