If your family needs for survive your work and incomes you are elected to buy a life insurance product. This is the main reason for spend a part of your salary for assure a confortable future to your sons and wife if you die.
  At first you’d have to calculate the beneficiary’s expenses to buy life insurance.
 Usually, the life insurance covers a two year period. Though, one may buy life insurance for a longer period. It depends on the family situation. You must calculate all expenses, like college and mortgages, clothes and food. You shall not buy life insurance outright, once you can choose between several different types. The rates will vary. So, check before going to buy life insurance.