Advice needed:

Good morning! Reaching out because I am looking for life insurance! I am a 29y.o. F, doesn’t smoke, but I do have a son and would like to have him insured as well.

I don’t believe that I am high risk, no drugs, smoking, never have I had a serious illness, nor have I been hospitalized.

I have a small policy through my employer for the two of us, but I am looking for something that I will be able to maintain even if moving to a new company.

While I somewhat understand the concepts behind term and whole life I’m not sure which will be best.

I have spoken to an agent in my area that is pushing term life, stating that I can pull money from it in the future, but that is not my intention and feel that once my term ends I will be paying higher rates or it will be harder to be insured. I’ve asked questions about other types of life insurance but she told me whole life is not good and will only discuss versions of term life.

My ultimate goal for myself is to carry coverage for final expenses, debt, and leave something behind for my husband/child so that they can be comfortable without my income.

Thank you in advance for any advice!