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Shopping for life insurance: Considerations
Most people buy life insurance when something good happens in their lives, like the purchase of a new home or the birth of a child. These events mean more financial responsibility, and protecting your family with enough life insurance is essential.
So what is the best way to go about shopping for life insurance and deciding how much coverage you need? Most people approach the buying process in the same way: “It’s insurance … I will probably never need it … I just need to find the least expensive coverage possible.”
It’s OK to look for low cost life insurance, of course, but there are some important things to consider when deciding what type of policy—term, whole, or universal life insurance, to name a few—to buy and how to buy it.