It is important to use care when shopping for life insurance. The cost of insurance over the life of the policy can be significant, and the benefits provided are important to your survivors. You should determine what you need. Then, shop around so you can select a product that meets those needs at an affordable premium.
The first step in choosing life insurance is to decide how much coverage you need, how much you can afford to pay in premiums, and the type of policy that best meets your needs. Remember, compare products offered from various companies and note the differences in benefits and costs. You can also contact the Department of Insurance if you have any questions.