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Whole life insurance policies often cost thousands of		Buy the right amount of coverage. Many agents
dollars a year, as opposed to the mere hundreds of		may try to sell you more coverage than you need. The
dollars a year that the majority of term life insurance		purpose of life insurance is to indemnify (replace
policies cost consumers. For example, if you are a		financial loss), and what most people should be looking
healthy, non-smoking 35 year old male, you can get a		for is income replacement for their beneficiaries.
10-year, $100,000 term life insurance policy for as little		Independent financial planners recommend the following
as $7.09 a month (or as little as $6.56 a month for a		rule of thumb: purchase an amount of coverage equal to
comparable female).		6-10 times your annual gross income.

Shopping around is the best way to save money on your		Buy when you're young. Although your financial
insurance. You can compare free online insurance		needs may be lower at a younger age, the rates are also
quotes from many of the nations leading insurance		substantially cheaper when youre young. Remember,
companies. We offer quotes for auto insurance, term life		the goal is to cover your primary assets (like your salary
insurance, homeowners insurance, individual health		and house) so that if something were to happen to you,
insurance and more.		your beneficiaries would be able to persevere financially.
		The best advice is to lock in as much protection at a
		young age while your health and prices are still good.


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Research the various insurance plans, coverages and		Before you sign on the bottom line of your insurance
options. Find out which best suits you and your		policy, it's a good idea to have an understanding of the
family. Don't buy more insurance than you need		basics. Sure, it may look like a simple sheet of paper with
(i.e. young married couple probably doesn't need serious		writing on it, but it's a legally-binding document that
medical coverage other than pregnancy). Consult		outlines your rights and obligations should you be
an agent to answer any specific question pertaining to		involved in an accident. As a rule, you should always
you.		read your policy carefully, cover to cover, including the
		dreaded "fine-print." This will prevent any
Although common sense, it's important to mention.		surprises in case you need to make a claim.
Should your information be somehow incorrect during
filing, your carrier may refuse benefits altogether (which
is definitely not a way to save money).

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