It depends on what your needs are. Do you have children that you want to make sure have the funds to college if you aren't there? Do you have a home and bills that you want paid off if die? You need to determine the purpose. I have client that has 2 children and house that would need to be paid off when her husband passed. After we discussed what she wanted to accomplish, she elected to get $50,000 permanent coverage and $300,000 of term 20 years to make sure her kids had money for collage and hopefully some for a start in life. We selected the 20 Term police because her youngest would be 25 at that time.