How Much Should I Pay For Whole Life Insurance? 
In my opinion , you 're asking the wrong question . If you contact ten different companies , you 'll get ten different rates for the same coverage . That does n't mean the one with the higher premium is n't as good a program . It might have the best provisions for your particular situation . Besides , every company will tell you that they have the best product . The question you should be asking is `` Do I have an agent who I trust to do the best thing for me and my family ? '' Every situation is different and a good agent will have the resources to find the best combination of programs that fits yours . It may be all whole life or no whole life or some combination of different programs . I would begin by asking questions and finding out how much you need , how long you need it for , and your budget . The program you begin with will , most likely , change as you get older and your circumstances change . Be smart and find a good agent who cares more about your family than he/she does about their next commission check . Then , listen to them , and do what they recommend . You and your family will be much better off . 