When buying term life insurance, make sure the duration of your policy

When buying term life insurance, make sure the duration of your policy matches the amount of time you need it.

For example, buy term insurance that stays in force long enough until the kids become independent and also, that

the remaining spouse has coverage until he or she, becomes eligible for retirement income.

When you are choosing life insurance, make sure you are only paying for what you need. Think about what your life

insurance will need to cover. It may need to pay for the funeral, a mortgage, or college for kids. Or if you have

a separate account for your children's college, you would not want to pay for that.

Ensure that you are getting the best policy for your needs by making a variety of intelligent inquiries to your

broker. Ask if your policy can be renewed, if you can cancel it at anytime, and if you have premium guarantees.

Get all of this information so you can get the best coverage.

When purchasing life insurance, try to find a company that's offering you a free trial run. Maybe you can find a

30-day risk-free trial out there. If so, go ahead, and look at the policy and see if you understand it properly.

If you're satisfied with how the system works, you can better know if you want to choose it or not.