If you are considering the purchase of life insurance, you may want to think about the following before choosing a plan.

1. Determine why you need the life insurance coverage.
2. Decide how much you can afford to pay for life insurance.
3. Decide how long you need the life insurance protection.
4. Consider who relies on you for financial support.
5. Think about your short and long-term financial goals, and commitments.
6. Research the different types of life insurance, including permanent life insurance and term life insurance.
7. Shop and compare plans and prices for life insurance from several insurance companies.
8. Get any questions you have answered by the insurer, or your agent.
9. Read your policy once you purchase life insurance to understand how it works, what exclusions there are, and make sure to pay your premiums on time.
10. Choose an insurer rated "A" Excelllent, or better by A.M. Best Company for financial strength.

As always, it's a good idea to sit down with a professional lfie insurance agent to answer your questions before buying your life insurance policy.