When purchasing your life insurance policy, you should make sure you are working with a reputable insurance company and a reputable insurance agent.

Make sure your life insurance agent is properly licensed.

Also, check the financial rating of the insurance company and make sure the life insurance company is rated "A" Excellent, or better, for financial strength by A.M. Best Company.

Look at guarantees and compare "apples to apples" when comparing life insurance policy pri...