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ExTra
You need to work out your requirements first and take it from there.
Right now with 2 young kids we are under-insured.
E.g. Our policy is ~£30p/m and pays out £300k. At the time we took it out or mortgage was ~£320k. So the idea being it would provide a lump sum that would pay off the house.
However, now with young kids, inflation, cost of living, and the fact that the survivor would probably have to change jobs to look after the kids resulting in a massive decrease in income that would mean that £300k would no longer pay off the house.
If you're not sure where to start speak to an IFA. It's there bread and butter.