Okay so I’ve decided to start looking into term …

I’m probably gonna get people mad at me with this one ,
But what I want is to take out like a 20-30 year term of a million dollar payout insurance in case I die prematurely . I am 37 , I smoke, I am I. Good health. I work as a maintenance man. I earn roughly 4-5k monthly (weak sauce I know ) . My goal here is that “if” something were to happen to me my family (wife and kids) would have the million dollars to bury me . Pay off a home , and have bills covered and food to eat long enough to figure out life without me .
If I am thinking about this wrong please do let me know. I just really want peace of mind , I know so many people who have suddenly died at a young age and their families left with more problems they’ve ever had afterwards . I don’t want my wife and kids to go through that. Losing me , then shortly after losing everything else …