cheap though not always the case
Why do you need insurance? Does your family have a specific need that you want met if you are not there to take care of them? If you are married, then you may want to make sure your spouse can continue to live in your home. If you have children, then you may want to make sure there will be enough money available to send them to college. If someone in your family has special medical needs, then you may want to have a policy to take care of them if you are gone..