If you are going to make a good choice when purchasing life insurance, you need to understand what type of policies are available. If one type of policy does not fit your needs, then ask and find out about other available policies, many of which are described in this brochure. You can research more information on life insurance policies by checking with a licensed life insurance agent or a licensed life insurance company. You can also consult life insurance books that are available in your public library, as well as life insurance information available on the Internet. The California Department of Insurance (CDI) has a toll-free Hotline and Web site that can provide further information and assistance on life insurance. Please see the many ways to contact the CDI on the last page of this brochure.