In Oklahoma, we know this all to well. For too many years, some insurers have viewed life insurance as a CASH FLOW COW with their primary objective to get as much money in the door today as possible. Choosing a life insurance policy from a quality company is critical. Planning on the future is iffy at best. Start with an insurance company that is dependable.
Single parenthood is a reality.
In too many instances, the income doesn't stretch as far as it needs to. This means buy term insurance. The first criteria is to make sure that whatever plan you select that you can pay the premiums on. Don't be talked into something that will strain your financially. Start by buying the amount of coverage that you feel that you need and worry about the length of premium guarantees as a second tier criteria.