Buying life insurance can be intimidating, but it doesn’t have to be. Here are four tips that’ll make buying life insurance easier:

·          Purchase insurance early in life. Insurance companies can decline to give life insurance. If you purchase insurance when you are young, there is a better chance you'll be accepted and your premiums will be lower

·          Understand the different types of policies

o       Term life insurance provides life insurance for a specific number of years

o       Whole life insurance provides life insurance for a lifetime, or as long as the premiums are paid

o       Universal life provides permanent life insurance and allows access to cash

·          Find out how much life insurance you really need. A life insurance calculator can give you an accurate estimate

·          Talk to an agent and ask questions, questions and more questions. Make sure you understand what you are paying for

Have a question about life insurance? Visit www.usiaffinity.com or call (888) 325-8877.