Is there a list of things I should and should not do? What qualities ought an agent possess? My agent for auto insurance? the mailer from my credit union saying, “You are Pre Qualified”? And guidelines? Rules?
Do you think I should ask any more questions?
Purchase only term insurance from a reliable provider; do not purchase more than you require or can pay for. Use the agent you already have if you have one you trust.
I know how much I can afford by the monthly payment, is not that a silly question? Is there not a catch of any kind, like a deductible?
How can I determine how much I actually need? They continually try to persuade me out of billions of dollars since I am the only one who can support my family.
Not your Credit Union, not your auto insurance agent. A better deal can be found with an independent agent. Decide what you want or need, then take it from there.
You can find out a lot about various firm possibilities and what you should spend by visiting https://www.term4sale.com/.