How do I get the “best deal” on life insurance to cover my insurance needs?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Sep 15, 2020

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Since your age is a key variable in determining the price you will have to pay, you should purchase life insurance as soon as possible once you determine that you need it.

Selecting term life insurance will enable you to get more for your premium dollars. Also consider any optional group life insurance available through your employer as this usually offers the benefit of buying at a lower cost since it is associated with a group, not just one individual.

If you need additional coverage, then you should obtain and consider a number of quotes. These can be obtained from this site or from agents of insurance companies that you select.

You should decide how long the coverage will be needed and then check prices for that length of time. If the amount of coverage needed will decline over time, as when it is intended to provide income for young children or money to pay off a mortgage or other obligations, then consider reducing your premium by purchasing a declining term insurance policy.

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