Life insurance.
I prefer term life insurance for the bulk of my needs, that I purchase outside of work. If you are under 40, then chances are your rates will be much lower NOT on the group rates, that include 50 and 60 year olds.
What I do is figure out how much life insurance would be needed to keep my family going for 10 years, plus the cost of post secondary for the kids. (use 15 years if your kids are very young). After 10 or 15 years, most spouses can figure out life after that.
My "Rule of thumb"
Life insurance $ = (10 years x current expenses/yr) + Education costs for kids - (50% of Savings and retirement staches) - (Life insurance already provided by employer).
Most people therefore don't need $1 million in insurance additional insurance, as your death is not supposed to be a payday win for your family (IMO). Better to use the money with your family.
AD&D --up to you. I usually decline unless it is exceedingly cheap.
LTD - typically always taken through your employer, because of how much it costs. The cost is related to how many months of disability need to pass before it starts paying out, and your salary today. Another factor is if it pays out only if you can't do "Any" work, or work at your current occupation. Most employer ones are for "ANY" work, including things like a call centre. Most pay out 50% to 60% of your salary, but it is tax-free on payout, so you get more. LTD is expensive because it is the single most important insurance, if you are relying on your ability to work for many years. TAKE THE LTD.
Think about it -- LTD - your cost of living won't go down, because you are still alive, and need medical care, but if you die, your life insurance pays out and the living costs are a lot less with one less person.