How To Buy Life Insurance Wisely? 
The best thing you can do is give some thought to how much money your family would need to live if you died prematurely at various times throughout your life . For example , you might need a lot of coverage if your young with a family to support . Middle age might require less and permanent coverage even less . Once you have a good idea of your needs , find an agent that seems competent by doing some due diligence . Check the comments of previous clients and/or the state insurance commissioner . 