Advice for life insurance

I am a 22M who got a life insurance policy at state farm back in 2019 because my mom wanted me to. Today I went in because I got a call saying that I could increase my death payout with rates the same as when I first got it. However, my brother has talked about cash value in insurance and I’ve seen videos and heard some people mention it in podcasts I’ve listened to and was curious to learn more about. I mentioned it to the agent and they showed me some options that do that and the growth of the money that I could use down the line. My big thing is I’m first generation so my parents don’t know anything about this and I’m not sure where to start my research or what I should be looking for in life insurance and what is actually good. So I’m here looking for any advice and guidance to what I should be looking at when it comes to life insurance and what I should also be avoiding including companies. To me cash value sounds attractive as it’s something that I could borrow for purchases in the future. Thank you for any advice.

submitted by /u/Safe_Bid_2245
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