<prompt> Human: Reddit,Im looking for some help to get my mom the most insurance for her money. She is in relatively good health and wants to get life insurance. She received an offer in the mail for United of Omaha for 20,000 in coverage for 200 per month. Are there better options out there?  <response>: Does your mom really need life insurance? What will 20k coverage get you that you couldnt achieve otherwise through saving the premiums? 