Life, STD, LTD and X Insurance

I had to sign up for my for my company benefits and one thing that confuses the hell out of me is the different insurances that I should probably buy into, but don't always buy into. These insurances confuse the hell out of me because I don't fully understand if I am getting a good price or not and it isn't easy like getting car insurance or looking up health insurance. I need to figure out if I should go with my company's offer or if I should use an insurer like MetLife or Aflak etc...

Not to mention this shit is depressing. We are banking on me dying, getting seriously I'll or becoming disabled in some form or another. I hate thinking about any of this stuff... I can hardly think of how I am going to retire, I don't want to be fixated on how I am going to die or be screwed over for the rest of my life.