6 Mistakes to Avoid When Choosing a Life Insurance Policy

Ignoring your actual coverage needs often leads to being underinsured, leaving your family financially vulnerable in emergencies.

Choosing the cheapest premium without checking policy benefits can result in inadequate protection when it matters most.

Delaying purchase until later in life increases premiums — buy early to lock in lower rates and better coverage.

Not disclosing medical conditions during application can lead to claim rejection when your family needs support.

Overlooking riders like critical illness or accidental death benefits means missing out on valuable extra protection.

Forgetting to review and update your policy regularly can make your coverage outdated as life goals change.