Term life insurance or Whole life insurance

Hello,

I'm thirty years of age.  I have been considering purchasing a life insurance and when I started doing the analysis, I'm faced with the dilemma of selecting between Term life vs full life.  
Here are my thoughts on this
a ) I understand that life assurance is not like retirement plan so I am going to save enough for my retirement so myself and my dependants can live happily after I retire.  At that point, myself and my better half both work so we hope to save enough for retirement.  Having declared this, I suspect I would go for a term life insurance for 30 years from now just in case something unexpected happens to me between now and 60 years of age.  Beyond sixty years, if something were to happen, our retirement funds, hopefully, can help us.  
I understand if nothing happens to me from now till 60 years, I wont get anything from the insurance ( I want to confirm if this is the same with all firms who offer term life assurance ) ?  

b ) The other thought is full life is I'm absolutely covered until the end of my life.  Of course, the premium would be higher and fixed.  There is also some savings element to it which I suspect I will get when I withdraw the policy.  

c ) Or, should I go for Term life assurance now but then change to whole life at some particular point between now and sixty years old ?  

Any advise is appreciated.  
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