（1）When you buy life insurance, you want a policy that fits your needs at a reasonable cost. Your first step is to determine how much life insurance you need. Next, you need to decide how much money you can afford to pay. Finally, you must choose the type of policy that meets your coverage （保险类别） goals and fits into your financial plan. Once you have completed these steps, you will be able to move ahead and contact several life insurance companies through an agent who will shop for the right type of policy for you.
There are many reasons for purchasing life insurance, among which are the following:
●Insurance to provide family protection and financial security to surviving family members upon the death of the insured person.
●Insurance to cover a particular need upon the insured"s death such as paying off a mortgage or other debts.