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@javelinda Seriously... literally everyday. Curiously, I get downvoted when I provide a guide that should prevent other people from making the same mistake -- getting into a permanent life insurance policy when its just not necessary, or even beneficial. Maybe by other brokers who are trying...

@anon77777 For term insurance, I'd say speak with a couple and just go with whoever you like better. Term insurance is pretty straight forward, a monkey could write a policy for you to be honest. If you are getting a permanent life insurance policy (whole, IUL, GUL), you will want to be very...

@justadog Living benefits and conversion clauses are both certainly worth analysis. Good point!

@justadog this is not a false statement but term policies don't require much knowledge, whereas permanent products require a bunch. I think OP is getting a term.