I work in this biz, not for individuals, but I happen to be studying for another license
and have some fresh stuff in my brain. Your husband's life insurance will be what's called "term", and is a payout if he passes away while employed with his company.
A better type of life insurance is called participating whole life. It costs a little more, but has a savings component that can end up being worth a considerable amount of money, depending on your age when you buy it. It pays dividends that you can reinvest, and with compounding, can add up to tens of thousands of dollars over the years. Also, you want to get a policy with a non-forfeiture clause, that will use the cash reserves if you can't afford your premium for any reason. This is important, because in America, the regulations are slightly different, and the insurance companies can cancel your contract for non-payment right away without that clause. It's bullsh*t, but they can do it.
Hopefully this helps
