How to make a life insurance plan

It's quite different if you are in different countires. In China, most people don't want to pay a lot for the insurance. Yearly payment can't be more than two months' salary, that's around 5,000 RMB. This do suiltable to lower income people. But for some high income people. The salary will be around 10,000 RMB, then 5000 yearly payment will be too less for them. This contract can't give them any assure in the future.
Normally, your insurance contact should cover about 10 to 15 times of your yearly income. That's meanful. I am not sure if it's also suitable to other countries. Maybe someone can give me some advice.