What are you trying to insure against?

20 years ago my son was months old and we had a mortgage that required a certain income.

We didn't want to leave the other in a bind.

Whole or term insurance?

Buy term and stack the difference. Whole life is expensive and relies on perverted incentives that are meant to protect you but dont. Maybe a different thread.

20 year term with a face value to cover debt and some runway to figure shit out "should" it happen. Likely it wont.

My term policy is up. We are both alive and healthy. btc is now our future/insurance policy now (no need for premiums).

Insurance is max fiat. They dont care for you but designed products that make you think they do.