To make the correct choice when purchasing life insurance, you need to understand what types 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 on this website. 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 information available on the Internet. The California Department of Insurance (CDI) has a toll-free hotline and website that provide further assistance on the topic.