Something that you could afford
My wife believes in insurance. She said that it is force savings. It means that we really have something to look forward to in the future because it is just like a time deposit but longer. What more? You are covered. If something unexpected happens to you, you have less worries or the one that you would leave would be more secure. She said that there is actually no risk because you can find cheap term life insurance rates. That is why others are afraid to get insurance. They are not sure if they could pay the monthly or quarterly dues. In my own opinion, it is better if you get the plan that is suitable to your needs and something that you could afford.