This does not have to be a difficult task.
Decide on the amount you need to be covered for. If you do not purchase enough insurance then you may leave your family in a difficult situation because they cannot cover all their liabilities. So first decide what your family needs and then choose accordingly. Remember the higher the life insurance amount the higher the premiums.
Look for a good life insurance broker to asses your family’s needs. Then you need to decide on the type of life insurance you want.
If you are looking for a life insurance policy that is not an investment then most likely you will want term life insurance because it is the cheapest insurance you can get. If you want insurance that is an investment then you need to choose endowment or whole life insurance.
Decide on how long you want the policy for and the premium will be decided by the terms of the coverage. This is very important because as you grow older your life insurance premium will also grow. If you choose a policy for 15 years then when you renew it your premium may be much higher.
If you want coverage for all of your life it is best to take out a policy that covers you until you die.