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Great info guys, glad I asked here.
So I'm thinking a high-coverage 30-year term life through a third party to start off while I'm young, then perhaps convert it or start a smaller whole life when I get older.
My company's Metlife $50k basic life is granted so I'll take it, but it's not quite enough to cover our dept. Company's supplemental long-term life (up to $500k) is portable, but I'm not sure $54/mo for 500k is a decent rate.
Also given a short-term disability 60% or $1000/wk for up to 25 wks. A long-term disability is also avail at like $8/mo.
Overall I get a sense that it should cost me <$100 for everything inclusive.
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