First things first, how much moolah do you want your loved ones to get if you shuffle off this mortal coil? Think about debts, funeral costs, and, of course, the lifestyle you want to provide for them.

Do you want a short fling or a lifelong commitment? Term life is like a Netflix subscription – pay as you go. Permanent life is more like owning a classic DVD collection – it sticks around forever. Each has its perks, so pick the one that suits your vibe.

That's the fancy word for what you pay regularly. Make sure it fits your budget like a comfy pair of sweatpants. You don't want to be stressing about payments when life is already throwing curveballs.

No, not the cowboy kind. These are add-ons to your policy, like toppings on a pizza. Need extra coverage for critical illnesses or maybe a disability waiver? Customize that policy like your favorite pizza order.

Trust is earned, not given. Check out reviews, ask friends, and make sure your insurance company isn't shady. You want them to have your back, not pull a disappearing act when you need them most.

Brace yourself – they might poke, prod, and ask personal questions about your health. The healthier you are, the better your deal. But don't worry, no one's perfect, and there's a policy out there for everyone.

Some policies have this magical thing called cash value. It's like a savings account that grows over time. Just be sure you understand the fine print – no one likes surprises, especially when it comes to money.

Remember, choosing life insurance is like picking a superhero to protect your loved ones. Take your time, read the fine print, and find your financialsafety net. Good luck!