You can purchase a policy directly from an insurance company or go through a broker, whose job is to compare different costs from different companies and clear up any questions you may have about policies. Because of the complexity of life insurance, it's a good idea to have a broker who can address your concerns and collect the right information for you. The majority of brokers will offer their services for free because they are paid by the insurance companies they represent.

If you do use a broker, check with your state insurance department to make sure he or she is licensed to sell life insurance. Likewise, check that any insurance company you are considering buying a policy through is licensed.