ok big decision here so I need some expert advice. Question about Life Insurance?

I’m buying Life Insurance. I have a 8 month old and I’m 28, non smoker and in perfect health. I got a quote that is for 30 years and for a 1,000,000 premium I would pay 70.84 a month. There is another premium where I would pay 104.17 a month and I would get all the money back in 30 years. If I went with the 70.84 a month I would get nothing back. I’m not sure about the time value of money but would it be worth it to go with the 104.17 a month thinking that I will live for another 30 years. Or just go with the 70.84 a month. Also is this a good deal? or are there better options? I have another option thru another guy that will offer me life insurance thru cancer or accidental policy thru aflac. would it be better to get the accidental or cancer policy for a guy my age? He said that 50% of people get cancer at sometime in their life so I was thinking that. Thanks for any input.

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