How Should I Buy Life Insurance? 
The first step in buying life insurance is to determine how much coverage you need , what type of insurance will work best for your needs , and how much it will cost . With life insurance you can not just pick out the policy with the features that you like . You must qualify medically , and your overall mortality risk -LRB- or lack thereof -RRB- determines your rate . What company you use and the type of policy you choose also figure into the premium you will pay . So the best way to buy life insurance is to talk to an agent who can help you determine how much you need , explain what types of policies work best for that need , and then shop around to find the best rate for which you qualify . Good life insurance agencies stick with you and guide you through to the time when the policy you want is in your safe , ready to go into action if tragedy strikes . While a life insurance agent is the last person most people wish to consult , in the end , most policies require an agent as the middle person , anyway . Starting out by calling an honest agent can make the process very simple and help you save hundreds of dollars . 