For LOL insurance the AFAP MBF allows you to choose the right amount of cover for your circumstances. I thought a 500K benefit was a bit excessive so went for $300K instead for now (while in GA). Thats still 6 years worth, and they include an additional $100k death benefit with that too. Pretty well covered for $600ish a year.
You also have to be a member of the AFAP. 1% of your salary PA.