I generally agree with DisneySteve. Don't go and buy term insurance until you need it. For now, get enough to cover funeral costs and a few months off for your wife while she copes. Crank up the amount when she has kids.
As you get a higher income, remember that the 10x income rule may not apply. You may instead need 10x what you need to live on in a year. For now it might be the same, but over time those amounts will change.
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