Avoid gofundme by getting term protection. Sad that people pay $100/month for car insurance but not for their life.  For all people with kids, dependents and liabilities, get a term insurance. Things to look for, as cheapest is not always the best, carrier rating/comdex score max. living benefits good conversion option to perm My recommendations in this order (based on low cost and features/benefits) AIG qol flex term North American term