Insurance stuff sucks a lot.

Once again I'm looking around for a good life insurance quote. I'm never sure if I'm falling into marketing hype when looking around at these sorts of things. Everyone seems to say "No one ever has enough life insurance!" But is that really true? I don't think my grandmother had "enough" life insurance by these people's standards but her final debts were paid off fine as far as I know. My mother wasn't driven into poverty or anything. So where do you draw the line? Do you shell out money for a life insurance policy because everyone says you should or is what you have now just fine?