Where Do I Go To Get Life Insurance? 
You should talk with an independent life insurance agent so they can review options from multiple carriers with you , help identify the risk class you 're looking at with various carriers -LRB- a critical part when looking for coverage -RRB- , and identify the policy structure that will best serve your needs and your budget . It 's also highly , highly recommended that you do NOT apply to a bunch of carriers at the same time just to see what sticks - this can be a red flag to many carriers and they 'll want to know what your plans are with each policy , total amount of coverage you plan on keeping , as well as the underwriting results from them . There is no one policy that is the best for everyone as we each have our own needs and purposes for buying life insurance . Some may buy life insurance because they just got married , some because they have a new child , some for estate planning , and some for income replacement , just to name a few reasons why people buy it . In evaluating which is best for you , there 's a number of factors to consider such as what type of coverage do you want/need , the reason you want to buy it , how much coverage and for how long -LRB- e.g. term vs. permanent -RRB- , premium affordability , health status , where you live , and others . One of the first things you need to do is identify the risk classification you qualify for . The risk classification is critical because this determines what the premiums will be for the policy you 're applying for . This is where insurance brokers are essential in your pursuit of coverage . They have the knowledge to guide you through the process and help you find the policy that 's going to be most suitable for you . 