 TITLE: Term vs. Whole Life: Which Should I Get? CONTENT: How to Get Life Insurance\n-------------------------\nIf you want to purchase term life insurance, you can typically start the process by getting a quote online, directly from an insurer or through a life insurance agent or comparison website.\nYou may also be able to purchase whole life insurance through a comparison website, but in most cases, you'll need to work directly with an agent.\nDuring this process, it's best to work with an independent agent who doesn't work for any specific insurance company. Independent agents are able to shop around and compare features and rates from multiple companies to help you save as much as possible.\nWhen you submit your application, you'll typically need to undergo a medical exam. There are ways to get around the exam with no-exam insurance. But because opting out of an exam causes the insurance company to take on more risk, those policies are typically more expensive.\nOnce you've completed the application and the medical exam, the insurer will notify you that you've been approved or denied. It will also provide a final rate, and you'll have the option to accept or decline the offer.\nIf you accept it, be sure to make all of your insurance payments on time. Otherwise, you may lose the coverage. END