The way I calculated my life insurance was to take my total monthly bills x 12 months x the number of years until my youngest will be out of college. You don't have to use this method. Some people total their debt and then provide income for a few years. Life insurance is something you have to qualify for. If your health is not good or you've had an issue, it may be difficult to get you covered. Feel free to send me a message with your birthday , email and the amount of coverage you need and I'll request quotes for you.
Disability coverage is only available to healthy people. They won't give you more than 60% of your taxable income and won't cover some occupations. I cover the amount I would need to keep our bills paid.