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