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USA Today has an excellent article on buying life insurance. If you haven’t looked into it lately, the article is an excellent primer on doing just that. I will be reviewing my policies in the next year, so I will be starring this article and saving it for future use. Their tips are:

• Buy term insurance rather than whole life
• Don’t rely on your employer’s life insurance policy
• Don’t assume you are uninsurable if you have health problems
• Shop around

I have to agree with all of those points. I have a whole life policy through my professional association, but the rates are starting to creep up as I get older. That’s one of the reasons that I will be shopping around. Plus, it’s really to cover my wife and daughter until my daughter is old enough to be out on her own (my wife works and has a nice pension plan as a teacher, so I’m less concerned about her).

Shopping around really can save you money as every insurer sets its own rates and can charge you whatever they want. Don’t just go with a name you have heard of without checking out other rates.