“Why after almost 4 years inofficeEasily join period life insurance $75

“I recently got married and had a 2 month-old daughter this year. I want to set her up since now. I donot need her to-go through any struggles in lifestyle that I gone through. I’m 31 and I can buy the insurance at this time but Iam thinking whether or not it reasonable to pay the insurance premium or perhaps save the cash in a lender