If you must, you could hire an insurance agent to help you evaluate your needs and budget
. Again, be cautious when doing so and keep in mind that they earn through commission and that they could push you to buy the coverage that you do not even need. Often times, it is best to deal with insurance agents who carry multiple insurance companies because of the wide choices they can offer to you. These people are experts in this field and seeking for their assistance could open up the chance for an affordable whole life insurance package.