Term life is almost (almost!) always the best option if your goal is actual life insurance as opposed to investment, asset protection, or something other than you having a heart attack or getting hit by a bus.

Whole life is rarely a good investment choice unless you have considerable assets, but HN has a much higher income than the median so there are likely folks here for which is makes very good financial sense.

But yes, if you have kids both parents absolutely should have term life insurance no matter what. It's very cheap, incredibly cheap if you are not a smoker and have no health issues.

Term life insurance is a great option. One way I've heard it said: "For the price of pizza-for-4 each month, you can have ~10x your annual salary in coverage for a 15 year term."