I used to sell life insurance, got a real life now. Anyway, the formula we used was 10 x salary or income for one year, plus ALL debt covered. Do not buy what comes with your mortgage, you can do better (if you are insurable) in the market place, more coverage and less money. Have not priced out whole life, or any others lately but going to have to get new insurance in a couple of years. First have to get healthier to get coverage.
We had an experience with this, our 14 year old (then) died 6 years ago. With insurance coverage one thing we did not worry about was how to pay for the funeral and expenses. Everything together then was over 10,000, so dont forget the kids. Also plan on a mourning time and those expenses, off work etc. We had 21,000 and it covered all these well. We still miss her, but we did not have the additional burden of debt with her passing away