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If you’re an adult with any kind of responsibilities in this world, you should be carrying a life insurance policy. That old saying that “there are two things that are certain in life, death and taxes” has a lot of truth to it. The big difference is that you know when the taxes come due.

So to keep from leaving your responsibilities, whether that is a family, a business, or a debt, not taken care of, follow these instructions. Go online and make it easy on yourself. Do a search for term life insurance. Scroll down past all of the big on line brokerages like Selectquote, Accuquote, Eterm, Reliaquote, etc. I’m not saying that you can’t get life insurance there, but if you pass them up and go down to an independent agency you can a more accurate insurance quotes, get life insurance just as fast, get it at the same price and……’ll actually get good service.

Talk to an independent agent and tell them what your responsibilities are and ask them to make recommendations. Ask them to explain the different options such as whole life, universal life (make sure you ask them about a no lapse guarantee), term insurance and return of premium life insurance.

Then make a decision. Put something in force. Take responsibility.

OK. I heard someone say whoa! You want to shop around and think about it and compare things and think about it and check the company ratings and financials and think about it and beat it to death. Whoa! There’s that word again. Death!!! Remember, you know when the taxes are coming due. I’ll bet every person you know or stop on the street can tell you of a story of someone who died an “untimely” death.

So, buy the life insurance. Pay for it on a monthly basis and then do all of those things you want to do to make sure you got the best deal with the best company. If you find something better, apply for it. Once it is approved and you know you have a better deal, put it in force and cancel the one you bought. That is the responsible thing to do.

Disclaimer: All of my opinions are valid in all 50 states and DC.

This post is somewhat dated. Life insurance underwriting is changing and evolving continually. For more updated information check out some of the key word links. If you have a specific question or topic you need information for do a search. If you don’t find the answers you need contact me and we’ll make sure you get the information that is important to you.