At what point is laddering term insurance worth it?

I can save about $100 per month over 30 years by laddering. $36k savings over 30 years. It was suggested that I explore this route and struggling to figure out which makes sense.

Either 30 year $1.7 each for wife and I Or $550k or $600k policies for each of us, 10,20,30 year roughly close enough to 1.7 each starting out

We have 3 young kids under 4 Hard to say what future needs are. Mortgage will be done in 10, then its mostly private school, income replacement, college, etc.

I would prefer to be conservative. I feel like $100 is the minimum I would want to save by forgoing the extra benefit, as the amount if ever used would be substantial.

I dont want to shortchange the kids but I dont believe we would necessarily need that full amt over 30 years. Sometimes easy enough to do 1 policy while young and be done.

The budget for the payments, it can work. If it was a drop in the bucket, I wouldn't even think of it, would get the 30 and be done, but trying to be budget minded.

I am still kinda just leaning towards the 30

Just looking for some opinions to give me some insight I might not have thought about

Either way, I think ill have peice of mind in either option I do believe our needs will drop over time for sure. I could take that $1200 per year and invest it

My calculations are considering different online suggested calculations etc. I did not factor in social security as I am not sure if I can even bank on that although I would have potential income