The first step in buying your insurance policy is to figure out how much life insurance you need, what type of life insurance will meet your needs, and how much it will cost.
With life insurance you can't just pick out the policy with the features that you like. You must qualify medically, and your overall risk determines your rate for coverage.
Which life insurance company you use and the type of life insurance policy you choose will figure into the premium you will pay for your coverage.
You may want to talk to a licensed independent life insurance agent who can help you determine how much you life insurance need, explain what types of life policies work best to meet your needs, and shop around to find the best rate on the life insurance for which you qualify.
Here is a life insurance buying checklist to help you with the life insurance buying process.