Life Insurance Buyer's Guide

Review your own insurance needs and circumstances. Choose the kind of policy that has benefits that most closely fit your needs
Be sure that you can handle the premium payments. Can you afford the initial premium? If the premium increases later and you still need insurance, can you still afford it?
Don't sign an insurance application until you review it carefully to be sure all the answers are complete and accurate
Don't buy life insurance unless you intend to stick with your plan. It may be very costly if you quit during the early years of the policy
Don't drop one policy and buy another without a thorough study of the new policy and the one you have now Replacing your insurance may be costly.
Read your policy carefully. Ask your agent or company about anything that is not clear to you
Review your life insurance program with your agent or company every few years to keep up with changes in your income and your needs
Decide what you can afford to pay. Keep in mind the major reason you buy life insurance is to cover the financial effects of unexpected or untimely death
Learn what kinds of policies will meet your needs
Choose the combination of policy premium and benefits that protects you in case of premature death, or long life
Have a life insurance agent review your insurance needs and give you information about the available policies
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