1. There Are Really Only Two Kinds of Life Insurance

2. Life Insurance is Sold, Not Bought!

3. Whole Life Costs More

4. Whole Life Investment Assumptions

5. Invest and Insure Separately

6. Buy Term Life Insurance to Cover Your Needs

7. Buy Life Insurance While You Are in Good Health

8. Be Truthful on Your Application

9. Shop Online

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1. Do your research
2. Never buy more coverage than you need
3. The healthier you are, the better the rates
4. Buy sooner rather than later
5. Realize the importance of periodically reviewing your coverage
6. Ask questions
7. You may be paying more for monthly premium payments
8. Don't rely solely on the life insurance offered by your employer
9. Tell the whole truth and nothing but the truth
10. Buying more is sometimes cheaper

via schwab

1. Shop around

2. Stay healthy and get good rates

3. Review coverage frequently

4. Review your options

5. Buy more, pay less

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* Only 1% of term policies issued resulted in claims.

* After 15-20 years of exposure less than 1% of the polices issued are still in force.

* Less than 1 policy in 10 survives the term for which it is written.

* Chances are the policy will not be in force when you really want it.

* Term life insurance has a cost.

* It is not only the cost but also the lost opportunity had you been to keep the money and invest it somewhere else.

* What is the best day to own term insurance? If you said the day you die you may rethink that again.

* Lease vs. Own. When you buy term insurance you are leasing.

via ezinearticles