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 purchasng anything.

5. If under age 75, purchase 5% inflation protection coverage - otherwise, inflation will erode your benefits.

6. Review your policy carefully during the "free look" period, and return it if unsatisfied.

7. Never buy from a door-to-door salesman and never pay cash.

8. Do not buy multiple policies - one good one is sufficient.

9. When reviewing your policy, pay close attention to how you will become eligible for benefits - ask yourself, what must happen and how will it be judged before I 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 strength and stability of the companies' you are considering. A policy is only as good as the company behind it!

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