My wife and I are 30-ish and are now looking at getting life insurance. This is mostly spawned on by the fact that should one of us die, the other party may have difficulties affording the new mortgage payment comfortably. As such, Iโ€™m looking at 20- or 30-year term life insurance for each person, for the amount of the outstanding loan balance on the house. What say thee, good Oppo?