I would look into a10 or 20 year level term policy, available from Transamerica Life, Genworth or West Coast life, for an amount you can afford each month which probably is about $20.00. Insurance to replace your income should be about $100,000 -$150,000 and the monthly premium is dependent on many factors; your age, health and smoking status. You might be hard pressed to apply for a greater amount due to the premium and the insurance company's rules.

Good luck!