Life Insurance for Couples?

Hello, If anybody can give just an opinion/advice, would really appreciate it! I know I have a lot of questions and I'm doing my best to research too but am just really confused about a lot...

My husband and I (29F, 30M - both not smoking and healthy, have annual GI180k) just recently got out of the negatives in terms of our finances, so our first goal is to get life insurance. I personally have a 15-yr term which I randomly got pre marriage (it has a cashback rider), and 1 other in the Philippines but I forgot what kind. He has his own in the PH too, but now we are looking to getting a permanent life insurance for us both here in the USA. Now I'm not sure if there are any kind in particular that covers us both or would we have to get 1 each for us?

Also, I'm still a bit confused towards whole life Insurance, but I've read a bit that some build cash value which you can take money later on, are those riders? I personally want to invest on one that grows value. I'm looking at NewYork Life since there is a branch near us but are there any other better? We are from SoCal and I would like to be able to get 1 in person rather than online. I got my term insurance online and it was so hard to reach my agent so don't want to try that again.

Thank you to who may answer!