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I really want to get life insurance for my husband and myself so that if something happens to us the kids would be taken care of. However, there are so many different types of life insurance I am not quite sure which I should get. I don’t want an accidental death policy, I know that. I want something that covers us no matter what the cause of death. I don’t think we need whole life insurance since I am only worried about the time when the kids are little. I think what that leaves is term life insurance, am I right?