Knowing the type of insurance and coverage you need is a good first step. But life insurance is about more than policy types, premiums, and payouts. Be sure to explore the different policy features and benefits before making your choice. Some policies have a trial period, called a "free-look provision," or offer payment options. In addition, some term life plans can be easily renewed or converted into a renewable term policy or permanent life insurance plan, which includes both whole life insurance and universal life insurance options. In many cases, extra benefits can be added on as riders to help customize a policy. Some common riders provide additional coverage if you become disabled or seriously ill. Others add protection for a spouse or child. While these added benefits may cost extra, they can help provide additional peace of mind. eFinancial works with trusted companies that offer a wide range of policy options and benefits. Once we get to know your unique situation and what's most important to you, we'll help you create a custom policy that best fits your needs.