The decision to buy life insurance is one of the most critical decisions we make, which is why the decision as to which type of life insurance policy to buy can be just as critical. You can’t really try on a life insurance policy, so the one you choose needs to fit you like a glove from the outset. The challenge for most people is the sheer number of different kinds of life insurance products from which to choose. The choice is made easier when you have a clear understanding of your own needs