When shopping for term insurance, check out Web sites such as Insure.com and SelectQuote.com.
Try to make sure you only buy a policy from an insurance company that's in great financial shape, so it doesn't go out of business before you do. Before you purchase a policy, ask the agent - or check the insurer's Web site - for the company's financial strength rating, a letter grade from major rating services. Stick with the top grades.
The top grades from the major rating services are:
