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Dan_Moore comments on Tell me what I don't know about life insurance. - Less Wrong
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There's no way I would spend 5% of my income on life/disability insurance. (I'm an actuary, BTW.) Start with what you and your dependents would need in the event of your death or disability, rather than starting with the policy details. Also, try to objectively estimate the probability of your (early) death or disability. Then, shop around - do not take the first thing offered to you.
I have no dependents.
How do I estimate the probability of early death or disability?
What other multinational life insurance companies are there?