Hi I am 30 year old married man and we have three children. We have some life insurance as part of our mortgage but that will mostly only cover the mortgage if one of us die during the term of the mortgage. I just wanted to get some advice I would like further protection for our family against death and critical illness of my spouse or I any recommendations we cant afford a huge premium. I have heard of some companies years ago that use to get some money back at the end of term of a policy do these policy's still exist also. What is the best insurance company etc.?