Principal, LifeNet Insurance Solutions, Redmond, WA
The best thing you can do is give some thought to how much money your family would need to live if you died prematurely at various times throughout your life. For example, you might need a lot of coverage if your young with a family to support. Middle age might require less and permanent coverage even less. Once you have a good idea of your needs, find an agent that seems competent by doing some due diligence. Check the comments of previous clients and/or the state insurance commissioner.
I always advise that before shopping for insurance that you do a little preparation first. Take a good look at your monthly budget, and see what you can safely afford to spend. Then look at what you want that coverage to replace - is there a mortgage, a salary, college educations, etc.? Once you have some basic ideas, then you can seek out an agent that can help you. Ask trusted friends and family who they used, and if they are pleased with the service they are receiving. If you have more questions, or would like more information, please hit the "contact me" link on my profile.
To buy life insurance wisely, I agree with Jason; find a broker you can trust and work hand in hand with them to arrive at the best policy for your needs, at the best price for your age and health.
It helps to know what you are looking for, but sometimes your best choices do not match up with what research suggests. That is because life insurance is a highly individualized purchase. Your needs and your health factors make a huge impact on what will work best for you. Only a broker who is honestly looking out for you, and who has access to a number of choices, and knows how to discern which you will qualify for, can help you sift through it all to make a wise decision.
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It helps to know what you are looking for, but sometimes your best choices do not match up with what research suggests. That is because life insurance is a highly individualized purchase. Your needs and your health factors make a huge impact on what will work best for you. Only a broker who is honestly looking out for you, and who has access to a number of choices, and knows how to discern which you will qualify for, can help you sift through it all to make a wise decision.