How Do You Buy The Best Life Insurance? 
Here are a few tips to help you buy the best life insurance . 1 -RRB- Contact a reputable agent for advice . Whether face to face or online , conversing with someone who knows what they are doing can safe you lots of time , hundreds of dollars , and most importantly , help you get a secure policy that best suits your needs . 2 -RRB- Learn about life insurance , but do n't be narrow minded . Sometimes health factors , age , state availability , cost , etc. can keep you from getting the exact policy you want . Occasionally someone tells me that they are going to keep shopping until they find the policy in their head . What happens is , those people never get life insurance , or they end up getting Accidental Death coverage that covers only a small percentage of deaths . There are policies out there for almost everyone , and something is almost always better than nothing . But it helps to know what to ask , then accept the answer when your agent has obviously done his/her homework to find it for you . 3 -RRB- Look at carrier ratings and policy guarantees . Those three tips are all you need to get you the best life insurance . 