With life insurance you cannot just pick out the life insurance policy with the features that you like. You must qualify medically, and your overall risk determines your rate for your life insurance coverage.
What insurance company you use and the type of life insurance policy you choose also figure into the premium you will pay for your coverage.
You may want to talk to a licensed independent life insurance agent who can help you determine how much you life insurance need, explain what types of life insurance policies work best to meet your need, and then shop around to find the best rate on the life insurance for which you qualify.
Here is a life insurance checklist to help you in the life insurance buying process.