If you need a term life insurance policy, chances are you need it for a short time and are not over 45 years old. Although you are looking for a policy to “be on the safe side”, you probably will not end up using it. Therefore, the most important factor for you will probably be cost.

When calling around for term life insurance quotes, cost may be the first thing you want to ask about. If the quote is comparable to others, you may also want to check into:

- The time lapse between death and payout
- What causes of death are covered
- Any additional restrictions that might hinder your beneficiary's ability to collect.

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