A. All of the insurance products are for the rare but financially crushing events in life, because these events are rare, premiums tend to be affordable (especially for your age), if the event does happen, a financial disaster is avoided. In other words, one can not hope such event won't happen to him or her. Hope is not Plan!
What you should do is carefully evaluate the financial needs in case such rare events happen and get just enough coverage, for example, a 20-year Term life policy is surprisingly affordable.
Please feel free to contact us for a quote sheet that includes all of the insurers' rates so you can pick and choose the best plan that matches your needs.
Also, life insurance application is a risk-free process for consumers today, you don't have any obligation when you apply, and you can always walk away at the last minute, even when a policy has been issued.