Normally, yes - but life insurance premiums greatly increase as we get older, to the point that it becomes unaffordable. I have been very disciplined in saving and investing, so there is a good stash of money to help her in her future.
I have also paid off my mortgage and built a very solid will for her and our kids.
Whole life premiums don’t go up it’s the term life premiums that become unaffordable. But you have to buy when you’re younger that’s true.