You can also get referrals from relatives, friends, colleagues, business associates, or even from the human resources department of the company you work with. Talk to an actual agent or broker and request coverage details of policies that you think may fit your needs. Explain to the broker what you need and how much you can afford. He will be able to find you a good company that will cater to your needs and affordability.

Find out from any associations and organizations you are a member of if they have insurance benefits. It may be that they have an offer available from an insurance company. Find out if these companies offer discounted group rates.

Once you have done your research and have chosen the companies whose policies and rates you feel comfortable with, you can trim down your choices to about three and then make a final decision. Your decision should not be difficult if your research was thorough. Pick the company that puts your interests first and views you as important, while providing enough protection and security. Make sure that the company offered you the best policy and that it was tailor-made to your needs. Also, keep in mind that it is not the least expensive rates that are the most important, it's getting the right coverage.

Remember that your insurance companies will be you and your family’s source of financial security in times of emergencies. Make sure that these companies are there for you. So be wise and choose wisely.

Part 1