Reviewing My Life Insurance

Background so far↓
① My husband's individual loan application did not pass the preliminary screening.
② It passed successfully as a joint loan for both of us.
③ The reason my husband's individual loan didn't pass was suspected to be because he submitted income from the year he took two months of childcare leave. The real estate agent suggested we try applying for his individual loan again based on his latest withholding tax slip from a full year of work.
④ If it becomes my husband's individual loan, I should review my (the wife's) life insurance.

With that in mind, I had a representative from Japan Post Insurance, who we have worked with before, come over to discuss my desire to increase my death benefit coverage.
As a premise, our household is a dual-income family, and we manage our finances with both of our incomes. When it was just the two of us, we could live on one income, but due to increased expenses after having a child and the recent rise in prices, we cannot cover future expenses, including the mortgage, with just one income and plan to work together. The purpose of this insurance review is to ensure that if something were to happen to me, my husband and child could continue to live in our home by using the death benefit to cover their living expenses. I had an image of income protection in mind, and they simulated a death benefit of about 12 million yen combined with the insurance I already have. Japan Post Insurance's endowment insurance, "New Free Plan," allows you to set the insurance period and amount yourself, and I found it attractive that it provides generous coverage in the event of an emergency and that you receive money if you reach maturity safely (it is not a term insurance). With the 5x coverage type I selected, a death benefit of five times the maturity benefit amount is paid. Furthermore, by adding an accidental death rider, an additional 8 million yen is paid in the event of death due to an unforeseen accident or injury. Endowment insurance does not seem popular in these times of low interest rates, but I think it suits me because I have a strong desire to leave enough money for my precious family in the event of an emergency.
We plan to sign the real estate contract this weekend and will finalize the details regarding the mortgage on the spot, so as soon as it is decided that it will be my husband's individual loan, I would like to sign my insurance contract as well.