In your situation you should look to have enough insurance to retire your debts and provide for your wife and child in the event of your death or disability. The vehicle for that is term and it's very cheap if you're healthy. Just shop for it online.

Depending on your income and career potential there are other things you might consider later on, but a simple inexpensive 20 year Term policy will solve your problem and you don't need an agent to get a good one.