financial planning and need analysis is must to arrive at your insurability interests and also your liabilities and future commitments and also your paying capacity on a consistent basis all this is possible if you have a commited financial planner enquire his profile and also his background and also his commitment in the job he is undertaking life insurance is not a hobby its a long term relationship not a makeshift means to a Agents end so the moral of the story is apart from the products check the main product i.e.your Agent
