1. Only 17% of all life insurance companies maintain an A+ rating. Be sure to limit your search to those companies which are financially sound. (Insurance ratings objectively rank companies according to their fiscal soundness.)

2. There are many types of policies, generally divided into "term" and "permanent." Different situations demand different types of policies. Be sure you know WHY you choose what you choose.

3. The circumstances of your life change constantly, make a periodic review to see if your life insurance program still aligns with your goals.  

4. Life insurance is intended to offset a need. Understand your need first, then find the best way to meet it.

5. Business owners... don't forget about your buy-sell agreement, your key person needs and group life for your employees!