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Tips for Buying Your Next Life Insurance Policy

Many people are unsure about the life insurance purchasing process. Here are seven tips on how to buy life insurance so you can get the right coverage that suits your needs.

7 Quick Tips for How to Buy Life Insurance

Ninety-five million adult Americans do not have life insurance. One reason why this number is so high is that many people are simply unaware of how to buy life insurance.1

If you are getting ready to shop for life insurance and are not sure where to begin, here are seven quick tips that can help get you started:

  1. Get multiple quotes from different life insurance companies.
  2. Use an online life insurance needs calculator to crunch the numbers so that you know how much coverage to buy before shopping for quotes.
  3. Be wary of life insurance companies with agents or representatives who don't take the time to explain your policy options or to answer your questions.
  4. While price is a consideration, have the mindset of thinking about your life insurance as a fixed monthly expense - much like your mortgage payment. The decision to buy life insurance shouldn't be considered a luxury, but a need.
  5. Ask about life insurance policy riders that may help you affordably enhance your coverage.
  6. Do your homework and buy from a reputable life insurance company.
  7. Consider life insurance for the whole family - including children. Expenses that can follow an unexpected death, serious illness or accident can add even more stress to an already grieving family.

For more helpful information on how to buy life insurance, as well as selecting the right life insurance policy for you and your family, visit the Protective Learning Center.


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All Learning Center articles are general summaries that can be used when considering your financial future at various life stages. The information presented is for educational purposes and meant to supplement other information specific to your situation. It is not intended as investment advice and does not necessarily represent the opinion of Protective Life or its subsidiaries.

Neither Protective Life nor its representatives offer legal or tax advice. We encourage you to consult with your financial adviser and legal or tax adviser regarding your individual situations before making investment, social security, retirement planning, and tax‐related decisions. For information about Protective Life and its products and services, visit

How to Buy Life Insurance

Many people aren't sure about how to buy life insurance coverage for their families. This article looks at seven tips for how to buy life insurance so that you can get the coverage you need - today. If you're not sure where to begin, follow these steps may help guide you toward how to buy life insurance to best suit your needs. Getting multiple quotes from different insurance companies will help you to identify how much coverage you may need. It's important to also understand your insurance options, as well the benefit you will receive for the amount you will pay each month. Identifying the types of life insurance companies available will help you in considering life insurance options for not only yourself, but also for you family. For more information, visit our learning center.