I'm 32 years old married with two young children. I think it might be time for me to get a life insurance policy just in case God for bid something happens. Any recommendations? I use all state for everything and I always get emails stating how cheap it can be for me. But I hear people say there are other types of accounts to open up instead of a life insurance policy but frankly I have no idea about any of that stuff. Any tips/advice is greatly appreciated! Thanks!