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Life insurance is an important component of financial planning. Unfortunately, finding the right product and price is a daunting task, especially with so many options available. From picking the right terms to understanding the clauses, there is a lot for you to sift through when you first get started. Therefore, consider some of these tips for buying life insurance to make sure you pick the right policy for you.
Consider Your Needs
Only you can understand your financial situation. Therefore, only you can decide how much life insurance you need – not the broker. You can estimate your coverage by adding your debt together, funeral costs and at least six months of your income and expenses. This total is your minimum coverage required if you choose to purchase life insurance.
Talk to a Broker
Brokers have access to a wide variety of life insurance products and services. They can offer advice and even different options so that you can choose the right life insurance policy for you. You should use an independent broker so that you are not pushed by a broker on a life insurance policy because it is the only policy their company offers.
Avoid One-Meeting Recommends
After you meet with your broker, you should have a secondary meeting to come up with life insurance options. If your broker comes up with options at your meeting, they are not getting to know you on a personal enough level to recommend life insurance. Brokers who are serious about life insurance will use the initial appointment to get to know their clients so that they can research and find the best polices for them and present them at a second meeting.
Insurance is For Protection Only
If your broker tells you that life insurance is an investment r offers policies that have a combined investment factor, back away. Life insurance at its most basic level is for protection only – not an investment. Therefore, policies should be for protecting your loved ones and your estate and not be for investing.
Comparison Shop with Similar Products
When you comparison shop, it is only effective if you are comparing similar products. While some online tools compare similar life insurance policies side-by-side, others require you to read the fine print. So, make sure you read the terms, monthly or annual premium amounts, exclusions and rules to ensure that you are comparing two similar life insurance policies – even if they are provided by a broker.