When you buy life insurance, you want coverage that fits your needs.  First, decide how much you need and for how long and what you can afford to pay.  Keep in mind the major reason you buy life insurance is to cover the financial effects of unexpected or untimely death.  Life insurance can also be one of many ways you plan for the future.  Next, learn what kinds of policies will meet your needs and pick the one that best suits you.  Then, choose the combination of policy premium and benefits that emphasizes protection in case of early death, or benefits in case of long life, or a combination of both.  It makes good sense to ask a life insurance agent or company to help you.  An agent can help you review your insurance needs and give you information about the available policies.  If one kind of policy doesn't seem to fit your needs, ask about others.  This guide provides only basic information.  You can get more facts from a life insurance agent or company.