What Questions Should I Ask When Buying Life Insurance? 
In addition to getting any advice you need about the amount and type of coverage , you should ask the following about most types of policies : 1 -RRB- Does the policy cover * death by any reason ? -LRB- in other words , do n't be fooled into buying Accidental Death insurance when you think you are buying Life insurance -RRB- 2 -RRB- Does the death benefit pay 100 % from day one for * death by any reason ? -LRB- vs a graded benefit , that pays a reduced benefit in the first years -RRB- 3 -RRB- Is the premium guaranteed not to go up for x number of years ? 4 -RRB- What is the life insurance company rated ? These questions should help you get a secure policy that will pay out for the intention it was purchased . * Excludes suicide in fist two years 