I got mine through AOPA, from Minnesota Life. I looked up their rating and it was relatively high. I pay $45/month for $500,000, but the type of insurance I have doesn't build any cash value (I forgot the specific phraseology they use, but the ones that do build cash value are a lot more expensive.) I'm young and healthy and don't have any dependents but the reason I insured my death so high is that I have a big student loan which a family member cosigned... I would hate for him to get shafted with my debt if I die and want my family to have more than enough to cover all my loan/funeral/etc and still have a lot left over.