If you are looking for a life insurance quote you will need to trust your agent as if you would trust a close friend. This agent will be helping you out with your policies, and will help your family once you are no longer around. Unease with the agent tends to make identifying the best policy and ensuring efficient handling of financial matters after your death that much more difficult. If your job is high risk, or if you have any hobbies that would be thought of as high risk, you need to disclose them to the life insurance company. While you may end up paying more money, you can avoid the hassle of becoming ineligible for full coverage as a result of your failure to disclose this information. It's thought of as fraud if you withhold this information, and it carries very large legal penalties. Before purchasing life insurance, you should asses your needs and those of your family. When it comes to assessing your financial standing, nobody is more qualified than you. Keep this in mind and it will be easier to deflect the onslaught of well-meaning advice from others. Start with what is in your budget and choose the policy that gives you the best value, and most comprehensive coverage. Make sure those that are included in your insurance policy know about it. Provide the heir will all details of the sum insured, where you have located the policy documentation, and all the contacts for financial representatives they need to call to make the claim when the time arises. Life insurance is a necessary investment. Doing so affords you an extra ounce of peace and ensures that your loved ones are always protected.