<human>: Hi PF, I'm a 31 y/o male with above average financial means but nothing crazy. I'm married and we have 5 children. We've got good health insurance, low debt-to-income, investments, and some savings, etc... but a few months ago I decided to buy a motorcycle since it's been 11 years since I last owned one. 

It's been absolutely amazing how it's improved the quality of life for me... I was close to burnout at the end of 2015 and now I enjoy life again and my wife and children are definitely benefiting from a more engaged and active father/husband. 

Nonetheless, we're a single income family and commuting often on a motorcycle now has made me realize that I need to get life insurance in order because I want my wife and children to be financially well off on the chance that something would happen to me. 

That said, I have no idea where to start and the life insurance industry seems rife with scam artists and bad deals. I smoke occasionally and drink socially, other than that I'm a healthy/fit 31 y/o male that rides a motorcycle if that matters. I'm looking for the best coverage available for ~$75/mo. 

What is your advice for best options and not getting scammed?

Condense the text into a few key points
<bot>: looking for the best life insurance - smoker, rides a motorcycle, and based on [this calculator] I need 1.2 million in life insurance coverage.