What Are Other Things to Consider?

Review your own insurance needs and circumstances. Choose the kind of policy that has benefits that most closely fit your needs. Ask an agent or company to help you. Be sure that you can handle the premium payments. Ask about any possible increases in premium amounts and what may cause an increase. Don't sign an insurance application until you review it carefully to be sure all the answers are complete and accurate.

Don't drop one policy and buy another without a thorough study of the new policy and the one you have now. Replacing your insurance may be costly. Read your policy carefully. Ask your agent or company about anything that is not clear to you.

Periodically review your life insurance program with your agent or company to keep you current with changes in your income and your needs. Do not buy a policy until you have a good understanding of how it works.