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Buy your life insurance through your financial advisor, rather than using a broker. If a broker convinces you to take out a life insurance policy, he or she will earn commission. Financial advisers, however, are simply paid a flat rate. You will find it easier to talk openly with a financial adviser and not have to worry about trusting them. Always look out for red flags when you’re looking for an agent to purchase insurance from. If you feel you aren’t getting straight answers to your questions, or the advice you’re getting doesn’t seem suited to your needs, don’t be afraid to seek out other companies or agents.Make certain that your policy is underwritten by a reputable company. If you save a few dollars by going with a lesser known company, you won’t have the piece of mind that comes from knowing that they will be around and be able to pay out your claim when needed. Married couples should consider purchasing a joint policy. This policy covers both members of the couple, rather than covering the two of them separately. The premium for a joint policy is often cheaper than the premium for Browse A Lot More