Return of Premium Life Insurance ?

Return of Premium Life Insurance vs. Traditional Term Life including 20 or 30 year terms. I am 29 and my husband is 32 years old. We have a 2 year old and a 7 month year old child. We recently have been inquiring about life insurance. Frankly whole life is too expensive for us at the moment. Term life seems to be the best bet. We have been working with an agent who recommended 20 year term and then convert to whole life at some point. In the interim I've been doing research and I came accross a term policy called ROP Return of Premium policy which can typically be 10 to 30 year term. It's not expensive and at the end you get premiumd plus you get a locked in rate. I'd prefer 30 years. It's 30 years I don't have to think about insurance and I get money back provided I survive end of term. I asked my insurance guy about it and said it's a waste of money and nobody these days do a 30 year term. Why would he say that. I'd say it would be no question why 30 years. At 50 it will be more expensive to be insured and I would need the coverage. After year 30 I'd get money back and use that for a policy at the time. Right now I'm in limbo should I do traditional 20 term, ROP 20 year or ROP 30 year. All advice welcome. Many thanks!

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