In essence insurance, life insurance in this case, is a product. A product if desired by the consumer, of course, must pass through a process called transaction, in this case the sale and purchase. Insurance is intangible product (not form), which makes this product in the world of marketing including product management challenges.
Life insurance company from selling policies, as well as insurance agents. Their income depends on sales commission policies and premium payment by the client. This is one reason why insurance agents are well known shrewdness in making sales. Salut, those who have a high persistency, attempt to try out their marketing capabilities from day to day.
Of course, as consumers, we must take into account the financial ability if you want to have a product, including insurance. One thing to remember is, the average life insurance sold to long-term contracts, even a lifetime. Funds for the purchase of insurance will become part of routine spending a family. My opinion, if there were not more than 10-15% of income, so-so insurance is said to a form of savings. That, too, for those who are on average lower middle-income, full consideration must be appropriate to purchase insurance. Instead, if indeed interested in having a single insurance policy, the fund is a fund family that used truly idle, to prevent the loss of both parties in the future due to cancellation policy (laps). Consider a reasonable premium rates.
Consider carefully, negotiate with insurance agents to complete the most care and concern with your family. Choose a licensed agent. For agents who do not have a license, you seek a relationship with their manager.
Let's make friends with the insurance, may be useful.
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