How do you choose?
That's a good question. Each person has different needs and expectations, but here's my take on it:
If you research life insurance, you will find that the only people recommending whole and universal life insurance are the people selling it. In law enforcement, we call that a clue. The insurance companies make lots of money on these policies; thus so do the sales people.
I have yet to find a consumer advocate or financial advice columnist that believes a person should have anything other than term life insurance. For most of us, term life makes the most sense. We can get enough coverage to pay off our debts, get the kids off to college and support our spouse for a few years. The cost to do so is very low; literally a few hundred dollars per year. You probably spend more on car insurance.
While leaving an inheritance may be a nice idea, most of us don't need to spend thousands of dollars extra per year to ensure that our kids get a bigger check when we die.
Someday, you will die. Make sure you have a financial plan for those you are leaving behind.