I wish someone had told me this 3 months ago:

If you're on a search of any kind, chances are very high that your lender will want a life insurance policy on you. This can take a really long time, especially if you have any kind of complicated medical history.

So if you don't already have a life policy, start now. Just get a $500K or $100K 10 year term policy. Make sure the policy can be collaterally assigned, and make sure you will be able to adjust the amount and term later.

There's really no downside to having insurance if you don't need it. The cost is low. You can always cancel.