Which Is The Best Type Of Life Insurance? 
There is no one policy that is the best for everyone as we each have our own needs and purposes for buying life insurance . Some may buy life insurance because they just got married , some because they have a new child , some for estate planning , and some for income replacement , just to name a few reasons why people buy it . In evaluating which is best for you , there 's a number of factors to consider such as what type of coverage do you want/need , the reason you want to buy it , how much coverage and for how long -LRB- e.g. term vs. permanent -RRB- , premium affordability , health status , where you live , and others . One of the first things you need to do is identify the risk classification you qualify for . The risk classification is critical because this determines what the premiums will be for the policy you 're applying for . This is where insurance brokers are essential in your pursuit of coverage . They have the knowledge to guide you through the process and help you find the policy that 's going to be most suitable for you . If you would like assistance or have any questions about life insurance , send me a private message by clicking on the `` contact me '' button . 