This is really tough. Usually there is a friend of a family member that gets recommended to you. You don't have to pick the first one that comes to your door.
I would like to hear them explain the various types of insurance options and to give the pluses and minuses of each type. If they suggest Whole Life or a Universal policy, i like to show them the door and say goodnight. If they recommend term and to invest the rest in a separate savings package, i keep listening.
The bottom line for me is that i like to build equity as much as possible and cut my expenses which has no sustainance to show for the money spent. Ideally, i would like to have sooooo much equity and cash reserves that i do not need insurance at all!
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