1. 5082 POINTS
    J Paul Wilson CFP, CHFC
    Certified Financial Planner, JPW Insurance Retirement Investments, Halifax, Nova Scotia, Canada
    What is the best life insurance for you is the real question to ask. The answer to that question depends on what you want or need the life insurance for and for how long.

    You  are best served by working with an independent life insurance broker, who can help you find the right policy at the right price.

    If you have further questions, or feel that I could be of assistance, please do not hesitate to contact me.
    Answered on July 15, 2014
  2. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    Here are a few tips to help you buy the best life insurance.

    1) Contact a reputable agent for advice. Whether face to face or online, conversing with someone who knows what they are doing can safe you lots of time, hundreds of dollars, and most importantly, help you get a secure policy that best suits your needs.

    2) Learn about life insurance, but don't be narrow minded. Sometimes health factors, age, state availability, cost, etc. can keep you from getting the exact policy you want. Occasionally someone tells me that they are going to keep shopping until they find the policy in their head. What happens is, those people never get life insurance, or they end up getting Accidental Death coverage that covers only a small percentage of deaths. There are policies out there for almost everyone, and something is almost always better than nothing. But it helps to know what to ask, then accept the answer when your agent has obviously done his/her homework to find it for you.

    3) Look at carrier ratings and policy guarantees. 

    Those three tips are all you need to get you the best life insurance.
    Answered on July 16, 2014
  3. 4249 POINTS
    Gary Lane
    President, Lane Independent Agency, Southern California
    Know your agent. Deal with someone you trust. That is always the smartest way to go. If you know your agent, and they give you the information and advice you need, you are in a good place. A very few web sites now are offering life insurance directly on line. If you know those behind the site, they may work for you, but it is hard to replace your own trusted local agent. Thank you. GARY LANE.
    Answered on July 16, 2014
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