I pay $200 a year for a $750,000 term policy. It's guaranteed for 10 years and coming up on renewal. I'm going to bump it up to $1,250,000 because a lot has changed in the last 10 years.
There's some bad advice being thrown around here. It doesn't matter if he has kids or not. The purpose of life insurance is to replace lost income that you were previously depending on for living expenses. If he has kids, then it just makes the situation more complex, more monthly costs involved, more beneficiaries and etc. Regardless, if anyone depends on your income other than you (that could be a spouse, "partner", family member, any other person, debts and etc.), then it always makes sense to have life insurance. A good rule of thumb is to buy 10x your annual salary. If your annual salary is $100k, then buy a policy that pays out $1,000,000 and split amongst the beneficiaries appropriately. The riders are just add-ons and preferences all up to the individual situation. You might be subject to a health check/physical to confirm your not at high risk of death. Make sure you also understand that the manner of death affects the payability of the policy. You probably won't be covered if you're abducted by space vampires. If I die, then I'm not going to care if my wife spends the money on stupid shit. I wouldn't have any control or worry about what she does after I'm dead. I hope she finds a good cock to fuck her hard because no one likes a lonely, all-dried-out, leathery pussy.