How To Evaluate Term Life Insurance? 
Is it really as simple as comparing the initial rates ? Unfortunately , no , there are a number of factors to consider depending on what your objectives are . Here are a few : Length of term Rates at renewal what are they and are they guaranteed . Is there a possibility of needing permanent coverage ? If so is conversion available , what products can you convert to . Take a look a the insurance company offering the coverage . An independent insurance agent / broker can help you find the right product at the right price . If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me . If you would like to work with a local life insurance broker , you could start with a Google search . For example , if you search for : life insurance broker Halifax or life insurance agent Halifax , my name , along with several others , will come up . You can use the same method to find a life insurance broker in your community . 