Determine your insurance need.
Determine how much you will need to ensure a consistent
lifestyle for your dependents or loved ones. Consider
what assets you already have to provide income
in the event of your death, such as savings accounts,
investments or real estate. Then figure how much
your dependents will need for future living expenses,
school, debts and mortgage. Subtracting these two
figures will give you a close determinate of need.

Research the different types of policies available.
There are many different types of products available to
meet different needs. The two most common types of
life insurance are Whole Life and Term.

Whole life is permanent coverage designed for people who
know their life insurance needs will not
change or who want to build an investment
for future funds. This type of plan offers
level premiums that are based on the
policyholder's age when the policy is
issued (issue age). Some policies offer
a paid-up option after a specified period
of time, such as 10, 15 or 20 years,
which means premiums cease but coverage
continues for life.  Whole life
insurance also builds cash value.

Term insurance provides coverage for a specific period
of time, such as 1, 5 or 10 years. After that
period, coverage is terminated unless renewed
for another term. Unlike Whole life coverage,
term life builds no cash value. However, term
insurance generally provides a larger amount
of immediate coverage for lower initial premiums.
Rate increases occur upon the term renewal.
This type of insurance is ideal for those
requiring temporary or supplemental coverage
or who need large amounts of coverage
but have budget restrictions.

Do cost and company comparisons.
Just as there are many different types of products
available, so there are many different
companies selling them for different prices.
The cheapest policy is not always the best.
Look for a financially sound company
with high from industry rating services.
Also look at how premiums will change
with age or on term renewal periods.
A trusted agent can do much of this
footwork for you and provide you with
personalized comparisons based on your
needs and budget, as well as answer
any questions you might have.

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