We recently went to a financial advisor who is helping us get debt free in less than 10 years (if we stick to the plan inerringly - which we're not, but we're trying!) - which is pretty neat, I think.
(I'm a sahm and my dh works full time for a church, so it's not like we're rolling in cash.)
We got a new life insurance policy to replace all the other ones we had - we has some cash value policies for each of us, as well as $100K term life on my dh.
The new single policy we got is for my dh, but it has riders on it for me and ALL our children - both existing and future. (They will each have $10K rider - all included in the policy).
We just had to have a guy come to the house who took our blood, weighed us, and got our height. He also had a questionaire he filled out - based on history, etc.
We're non smokers, overweight people. and we got the policy. It's for around $200K (I am not looking at it at the moment.) It is cheaper than all 3 of the previous policies AND it even added in the children. It's term life. Guaranteed for 20 years, with option to renew down the road.
You might be surprised at what's out there. I sure was. I didn't know I could go the combo route like that. We save $32/month now. - which is now being applied to our mortgage. It all adds up on getting that mortgage paid off.
The financial advisor was free, btw. they gave me a whole booklet personalized for us that shows us how we can truly get debt free - and even still keep tithing (which is important to us - most of the other debt free places we've inquired into always seemed to eliminate the tithing.) I found out about it thru my church. Not sure where you are - I'm in Ohio. The name of the company is Faith full Family Finances. They even have a website that might tell you more. www.fflife.org
and a phone - 1-888-397-debt
It doesn't cost anything and they don't 'make' you do anything. They just help you figure out how to get debt free faster - and you may already be doing some of the things.
This ended up being more than just about getting the insurance. Hope it was helpful, though.