I am 28 years old. Non smoker. 5’ 7’’ tall. I have no family history of health problems (that I am aware of). I am thinking about buying life insurance mainly because I heard that the earlier you start, the better your rates will be overall, and one day I would like to start a family for them to be the beneficiary. What type of life insurance should I get? (I was thinking about getting a term life insurance by the way).