Life Insurance

So we finally got life insurance.
After tossing around a few different ideas of what we needed and what company to get it with we finally decided to go with 750k each of 25 term with our current insurance company the co-operators.
Originally when we started out on the "we need life insurance" quest, we were looking for 25k whole life and about 300k 10 year term... quotes had varied around 100 per month for the two of us for this... and it really is not enough.
Then we looked at Universal Life policy for 500k (I had talked to a WFG guy and this is what they push... for "tax shelter" purposes) honestly I really like universal life policy's for a few reasons but it simply does not fit into our current need...If we had extra money sitting around earning interest we were paying tax on then ya sure... but we dont have extra money period so this is not the right solution. Then last night we looked at a few different options, up to 1.3mil 25yr term and 25k whole life on me and 870k and 25whole life on Mailie. This was just over 200 per year and a little much!
The whole life portion I really started thinking about.
That was about $50/month for 25k whole life for each of us... there was some savings portion to it but I wont get into that...
with 750k 25 year term the $25,000 would not make a significant difference if something were to happen in that 25 years, and After the 25 years not only will our needs be completely different but 25k then is like 10k now and would not do a damn anyways... So after carefull reflection and alot of analyzing (and great advice from our friend at co-operators) we decided on the 750k 25yr term which in total should be around 100/month total for the two of us... an easy number to swallow.