1. TAKE YOUR TIME!

2. EDUCATE YOURSELF BEFORE MEETING WITH AN AGENT.

3. IF YOU ARE USING AN AGENT, TALK TO SEVERAL WHO SPECIALIZE AND CAN BRING MORE THAN ONE SOLUTION TO YOUR NEEDS.

4. INSIST ON READING A COPY OF THE POLICY CONTRACT, NOT JUST AN OUTLINE, BEFORE PURCHASING ANYTHING.

5. IF UNDER AGE 75, PURCHASE 5% INFLATION PROTECTION, OTHERWISE INFLATION WILL ERODE YOUR BENEFITS.

6. REVIEW YOUR POLICY CAREFULLY DURING THE 30 DAY "FREE LOOK" PERIOD, AND RETURN IT IF UNSATISFACTORY.

7. NEVER BUY FROM A DOOR-TO-DOOR SALESMAN AND NEVER PAY IN CASH!

8. DO NOT BUY MULTIPLE POLICIES. ONE GOOD POLICY IS SUFFICIENT.

9. WHEN REVIEWING YOUR POLICY, PAY CLOSE ATTENTION TO HOW YOU WILL BECOME ELIGIBLE FOR BENEFITS - WHAT MUST HAPPEN AND HOW WILL IT BE JUDGED BEFORE YOU CAN RECEIVE BENEFITS?

10. KNOW THE DIFFERENCE BETWEEN TAX-QUALIFIED AND NON-TAX QUALIFIED PLANS, WHICH TYPE YOU ARE PURCHASING, AND WHY.

11. CHECK THE FINANCIAL STABILITY AND STRENGTH OF THE COMPANIES YOU ARE CONSIDERING. A POLICY IS ONLY AS GOOD AS THE COMPANY BEHIND IT!!

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