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Man on computer tablet researching and choosing a life insurance company.
Choosing a life insurance company

A 3-step approach for navigating your way to the life insurance you need

Many people avoid the task of buying life insurance because it seems complicated. But it doesn't have to be.

According to the worldwide research and consulting company LIMRA, one of the top reasons consumers don’t buy life insurance is because it is too confusing.1 As part of Life Insurance Awareness Month, we’re cutting through the fog of confusion by providing you with a simple, three step approach to begin  understanding life insurance and shopping for the type you need.

Step 1: Decide on the type of policy 

There are basically two different types of life insurance: term and permanent. Term provides coverage for a specific time only, while permanent life insurance offers a lifetime of protection that won’t expire as long as you continue to pay your premiums. Both offer many different benefits, so be sure to begin your life insurance shopping by first doing your homework.

You can learn more about the difference between term life and permanent life (such as whole and universal life) in our Protective Learning Center.

Step 2: Get quotes from reputable life insurance companies 

Your life insurance policy is a promise to those you love that you’ll continue to protect them financially, even after you’re gone. For this reason, it’s important to select a life insurance company that you can trust to deliver on that promise. First, make sure the company has a positive rating and is financially stable. You’ll want to look for companies that have been in business a long time and that have a high level of positive customer ratings.

Step 3: Speak with a qualified life insurance agent or life insurance company representative 

You’ll be pleasantly surprised how helpful speaking to a professional can be when it comes to buying a life insurance policy. For example, the experts at Protective can help you determine how much life insurance you may need, the type of policy that’s right for you, and the many different policy options that can help enhance your coverage. We’ll work with you to find a policy that fits your needs and budget.

At Protective Life, we understand that life insurance decisions can be difficult. We don’t want you to put off getting the protection you need simply because you don’t know how to take those first steps for buying life insurance. Our life insurance experts are here to answer any questions that you may have, becoming a beacon to light the way to get the life insurance you need – today!  






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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 is 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.

Learning Center articles may describe services and financial products not offered by Protective Life or its subsidiaries. Descriptions of financial products contained in Learning Center articles are not intended to represent those offered by 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

Companies and organizations linked from Learning Center articles have no affiliation with Protective Life or its subsidiaries.