Is it important, something you definitely need or is just some profit for the insurance company like the banks?
Do I place my life into the hands of banks if I apply for life insurance?
What do I gain by applying for it?
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I've been in life ins for 25 years...
If you have a family, there is not excuse not to have it. It's not free to bury you. Term is fine. If you can afford it, permanent would be better because it does not expire unless you quit paying for it. But, most term plans have a product that you can convert the term to at the end of the term that is a permanent plan. The best policy to have is the one that's inforce when you need it, no matter the product.
You want to buy enough to pay off your debts as well as provide income to your survivors. A general rule of thumb is 10 times your annual income.
Unfortunately, there are some scammers in this business but most are not. I would advise not going to a State Farm, Allstate, Farmers or any other carrier company. Find an independent agent that can get you the best rate.
I'm happy to answer any questions you have..