What To Think About When Buying Life Insurance? 
The most important factor in life insurance is death benefit and providing enough when you 're gone . Life insurance can also have savings and investment attributes as well . If you 're looking to provide a specific amount of money and it 's only needed for a certain time period , then term insurance with a precise death benefit is most important to think about . If you are a conservative , long-term investor that wants to build cash value in a policy and you 're need for death benefit is n't great then a permanent or contributing policy is important to think about when purchasing coverage . Regardless o what type or how much you apply for ... make sure to complete a thorough needs analysis with an insurance broker . 