It is not an objective decision when you want to determine the life insurance you should buy, indeed. You see, you do not do any calculation, and you also do not think about the technical things to choose one since the process of application is not too complicated at all. There is a guide to help you follow the instruction well and register correctly. However you should compare life insurance no matter what if you want to get the best deal for sure.
Why do you need life insurance coverage? You will need a life insurance in order to give the replacement income for your family when you are passing away. Then, you can choose and think about the term of the coverage itself. Perhaps you want to cover the replacement income for 5, 10 or more years. Then, you can calculate it using the tax annual income so that you will know what you need to cover.
The other reason that make you should take life insurance premium is because of the debts and expenses you have to be paid. If you are single, then you may not need this insurance. Working couples also do not need it since both of them have their own income source.