It's a very standardized product, and inexpensive. Just get three or four different quotes for comparable benefits, you should be fine. If you are eligible at work, the group plans are generally decent deals too, especially for the over-40 crowd, as the group plans usually level out the age over the group instead of charging based on the individual worker-beneficiary's own age.
Thing is, term insurance is cheaper and larger payouts for the younger and less actuarilly-likely you are to die. The older you get, the more it costs and the less it provides...and that is fine, as long as you complement it with a savings/investment/retirement plan in an integrated approach of some kind. Basically what term life does is to make up for all your future lost income to the family if you check out prematurely, so the less of your earning life is ahead of you, the less you should need from it. Unfortunately a lot of people look at life insurance as some kind of death lotto rather than just an element in a total plan that has a changing place in that plan over the course of your life.
Life insurance is NOT a savings or investment tool itself, agents will try to sell you 'Whole life' or 'Universal life' policies using that hook, but the return on investment for them sucks ass so bad that it usually nets out deep in the negative even without considering the opportunity cost of what else you could have done with the huge premiums that policies other than term ones require. The agents make a shitload more money from selling them than they do from selling term policies, so their POV is highly biased on it. Don't believe a word of what they say about the value of whole or universal life as investment or savings tools.
