In general, there are two types of insurance agents - independent agents who write for more than one company and contract agents who represent a single company.

Contact at least five different agents. Consider using an insurance broker who can help you comparison shop.
Consider the agent’s office and professional staff. Ask for customer references and contact [...]

You need life insurance to secure financial protection for your family members, especially spouse and children after your exit. Insurance companies offer many plans such as Whole Life, Variable Life, Universal Life and Universal Variable Life. However, choosing the appropriate coverage for you and its benefits for your dependents or beneficiaries is of great importance. [...]

As painful as it may seem, advance planning can help you avoid legal
battles and other emotionally exhausting experiences during one of
the most difficult times of your life. If you have children or complicated
financial assets, it’s even more crucial that you plan now to protect
them later.

Get legal advice. Check your wills. Make sure you are each [...]

Even if you’re not in the best of health, life insurance coverage at a reasonable cost is possible.

Write down the names, addresses, and phone numbers of all the medical professionals, agencies, clinics, and hospitals you have used in the last 10 years.
Make a list of the medications you currently take. Be specific about the exact [...]

“Borrow” money from a cash value life policy as an absolute last resort. If you own a home, consider an equity line before borrowing from your cash value. With an equity line, your interest is deductible and you will most often get a better rate than the insurance company is willing to offer. (See How [...]

Having too little life insurance can be devastating to your family should you make an early exit. Having too much is an utter waste of money. That makes knowing how much you need–and what type of coverage is best for you–a critical decision.

Determine if you need life insurance. If no one, such as a spouse [...]