Not having insurance is simply responsible. Also, while term is cheap, it runs out and if you have 20 yr term and pass away yr 21, your out of luck unfortunately. However, having that is better then nothing. Also, whole/perm insurance is like a savings account and while it is "more expensive", you get to see that money eventually and it grows as well.
Many important factors to consider, but most important is to get covered!
I dealt with a big firm out of S Florida and they covered me up north. They were also able to get exceptions.
If anyone interested in their info, DM me. Happy to intro and to help.