What Are The Best Life Insurance Plans? 
The best life insurance plan is the plan that an agent has tailored for you . That agent should have listened to you , offered sound financial advice and communicated clearly with you and the company . If price is your concern , life insurance is based upon mortality . The number of cases that have been placed into the data base is truly staggering . As a result the mortality used by the various companies is almost identical . The premium is then a function of how long the policy will last before it expires . Longer policies have a higher annual premium than shorter policies because mortality accelerates . If the policy is designed to be permanent then another factor comes into play and that is the earnings of the cash value in the policy . Policies can offer 100 % guarantees all the way down to no guarantees . This affects the price a great deal . 