One way to have life insurance coverage is through your employer. If you have a great employer, this will be one of your benefits and no charge to you. Luckily, I have such an employer.
For the past 20 years I have had life insurance and accidental death and dismemberment coverage. The life insurance policy is for $60, 000.00 which doubles to $120, 000.00 if my death is accidental or an accident causes dismemberment. If death is by a car accident there is an increased payout of $25, 000.00 if a seat belt was in use and another $5, 000.00 for an air bag.
What I like about this policy is that should I stop working or retire I can convert this policy to an individual life policy without requiring a physical.
My employer pays a premium of $25.50 each month for this group insurance coverage for me (I looked up the bill). Some employees have larger policies, some have smaller. But for all of us this is free. If you feel the need for a larger policy you can always do this on your own.