Not a joke.
Since this one place that gets several opinions I thought I would see if there is a general opinion on different types of life insurances. My wife has been on this kick to get some additional ins on top of what we already have. As in blackjack I've always considered life ins to be a suckers bet but it's what she wants. Seeing as how alot of are in the same age bracket(more or less) I thought I'd get some opinions.
Two different types:
Whole Life(sort of a bank account type) is more expensive but you keep it forever and it never goes up. Alot of dough for the size of coverage that you would actually want to bother with.

Term policies run for a certain length of time then it's over and you renegotiate for the next term(gets more expensive as you age). Less expensive than WL and basically you're betting that you will die within that amount of time. I think they are only accidental too. So if you get sick and die I don't think they pay off. If you get cancer you have to drive your car off a cliff and leave skid marks before it runs out.

Any opinions on insurances?