IMHO, get life insurance only if you have nothing to fall back on. Beyond that, I might suggest getting some coverage for critical illness (something that would pay for all the treatment beyond health care) but that's about it. Life insurance doesn't make much sense to me.
Both my wife and I earn an ok income. Nothing to brag about but definitely enough to cover the family expenses should the other suddenly stops working completely. Ultimately, I have investment properties in US that provides the last layer of cushion if anything happens to us.(knock on wood). That should at least give us shelter, food and some basic necessities. Then we try to save about 15% of our wage every month for the unexpected, although it's mainly about unexpected purchases
If you are risk averse, and family can't afford to lose you, get a permanent life insurance. Else, invest that money into something that would create layers and layers of cushion. Insurance companies do the same thing. They just create a cushion large enough to cover a percentage of the clients (or whatever chance they have calculated) while leaving everything else as profit.