- Don't use an agent who works solely for one company - you won't be able to find the lowest priced plans from other insurance carriers.
- Don't choose a carrier without reviewing the financial strength rating and how long the insurer has been in business.
- Don't select a plan without comparing the pros and cons of both permanent life insurance and term life insurance.
- Don't get life insurance before using a needs calculator to accurately determine how much life insurance you really need.
- Don't choose a carrier before comparing life insurance prices from several of the leading life insurers to help you find the most affordable plan.
Here's a complete checklist of buying life insurance coverage.