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Get your insurance while the premium is low - very important!! The premiums will only increase, and insurability will become more difficult due to health and age. Lock in the highest amount with the longest term you can afford. For example, $150,000 for 30 years. If you find a plan that is convertible to a permanent plan (ask!), get the highest benefit you can afford now ($300,000 or so) When it is time to renew or convert, you can always lower the benefit, if needed, to better afford, but increasing the benefit later will be difficult if health issues have developed.
A small amount of insurance is better than none. If you can only afford a $25,000 policy now, get it. You might not be able to afford any later as premiums increase.
If you don't mind the intrusiveness of the exam (blood work, vitals, etc...) get a fully underwritten policy. As long as you are healthy, you will probably pay much less. The insurance company pays for the exam and it is done at your convenience, at your location of choice, by a nurse.
If you have children, and little money, get the insurance for them. They will need it if you are not here to provide for them.
I'm an agent. If you need help, feel free to private message me. I have a 10 year convertible (to permanent) $300,000 policy that I pay $18 and some change each month.
