What To Look For When Buying Life Insurance? 
Here are the most common things people look for when buying life insurance from us . 1 -RRB- Price . They are looking for the best price for their health , age , tobacco status , etc. 2 -RRB- Exam . They want to compare policies with and without exam , and decide whether or not taking an exam is worth it for them . The majority of those who look into No Exam coverage do go ahead with no exam because : a. it is all they can get ; b. it is less risky and not much price difference than a medically underwritten policy ; or c. they need the policy in a hurry and are willing to pay extra to not take an exam . 3 -RRB- Length of Coverage : Most people who are not well versed in life insurance are concerned what will happen when their term ends and `` what happens to their premiums '' . When looking for life insurance , a shopper has to understand how different types of policies work , and the agent needs to take the time to make that explanation clear to them . 4 -RRB- Guarantees : They want to know if the premium will go up , if it will pay for death by any reason , if there is a guaranteed cash value , etc. 5 -RRB- Company Stability : They want to be sure that their life insurance company will pay out upon their death . 