 TITLE: What Type of Life Insurance Should I Get? CONTENT: How to Find the Right Life Insurance Policy\n-------------------------------------------\nClearly, life insurance can get complicated. To find the best life insurance policy for your situation:\n*   **Decide how much coverage you need.** Add up your debts (such as the outstanding amount of your mortgage and car loans). Then determine how much income you'd need to replace if you die, and for how many years you'd like to replace it. For example, if your spouse is 35, you might want to replace income for 30 years until he or she is 65 and can access Medicare, retirement accounts and other sources of income. Finally, add up your liquid assets (such as savings accounts and investments). Subtract your assets from the debts you owe and the income you need to replace, and you'll have a good estimate of how much insurance to buy.\n*   **Decide on the term and policy that work best for you.** How long do you need to cover expenses for your family? If your children are almost grown and will be out of the house soon, you may want a shorter-term policy than if they are toddlers. If you like the idea of cash value and can afford higher premiums, permanent life insurance might be a better option than term life insurance.\n*   **Shop around for the best prices.** You can get estimated quotes online or by contacting an insurance agent. An independent insurance broker representing a variety of insurance companies can provide a wide range of products to choose from, helping you consider all your options. END