I recommend that you contact a local agent, and have him/her do a free Financial Need Analysis (FNA) or another Total Need Program to help you determine the correct amount of life insurance for your particular circumstance.

The FNA will also help you determine if you need Disability Insurance in the event that you are injured or ill and can't work. Statistics prove that the risk is greater of being disabled before age 65, than dying.

Globe Life has more than 2.5 million policyholders.

Globe Life offers simplified term life insurance with no medical exam for people age 78 and under ( believe). You may be able to buy up to $30,000 ($50,000 on some sites) of coverage.

They say the first month is $1, then your rate is based on your age. So, check the premiums out that you will pay after the first month.

Each policy comes with a 30 day money-back guarantee.

Yes, Globe Life does seem to be a reliable carrier.

To learn more you can visit my site, or visit one of their affiliate sites such as globetermlife.com or globelifeaffiliateprogram.com.

The amount of coverage available may differ by site.

Best of luck to you.

On your "anvil" comment. They do sell a variety of products so you need to be careful. Some of the products they sell are regular term or whole life products that pay out regardless of how you die. I've seen them also selling a product that is 20% term life insurance and 80% accidental death insurance. Under that scenario if the anvil hit you on the head your heirs would get the full benefit and if you die from a disease or any other non-accidental cause then your heirs only get 20% of the face amount. They tell you in the fine print on the advertising, but it's not like that is what they put in the big bold letters at the top. Just make sure you know what you are getting.

There's the website.