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would like your life insurance to accomplish. As a result, there is no one-size fits all answer. However, there are online life insurance calculator tools that can help. Life insurance calculators will help you find out roughly how much life insurance you'll need to have in order to ensure that your family, loved ones and your debts are looked after in the event of your death.

5.How long will you need life insurance for? Again, this is often determined by what you would like your life insurance to achieve. You can estimate the timing of your life insurance needs by asking yourself questions like: When will my mortgage be paid off, when will my children be finished school, and when will I retire? Also, there are online tools that after asking a few short questions will analyze your life insurance needs and offer guidance.

6.What type of life insurance do you need? There are two kinds of life insurance: term and permanent. Term life insurance offers protection for a set period of time, usually 10 to 20 years; while permanent insurance provides a lifetime of protection. Term insurance is more affordable than permanent insurance, offering you an opportunity to get a large amount of coverage at a lower cost. Permanent life insurance on the other hand is more expensive than term, as it offers lifetime coverage along with possible savings and investment options. The good news is if you want a permanent-style policy without the savings or investment options, you can go for a Term to 100 policy which offers coverage until age 100.

7.What medical information will you need to provide to obtain your policy? Typically, the more medical information you provide, the better the price. A life insurance policy that asks few or no medical questions will likely be far more expensive then a policy that asks for your medical information. Plus, depending on the insurer, your age, and the amount of coverage you want, you could be asked to provide blood or urine samples. For these, a nurse will visit, at no cost to you.

8.What are the renewal options and requirements of the policy? Most term policies are renewable until you reach the age of 70 or 75. Questions to ask your broker: will I have to take a medical to renew, is the renewal premium guaranteed, and if not how much can I expect my rate to increase at the time of renewal?

9.What are the conversion options and restrictions of the policy? As your life changes, you may want to convert your life insurance from term to permanent. When you purchase your policy, find out if there are any limitations for conversion, like age or into what type of permanent policy you can convert to – the fewer limitations the better.

10.What will the cost be? Well that depends on the individual. The best way to get the cheapest rate is to shop around. Thanks to the Internet, it is fast, free and easy to go to life insurance shopping comparison websites like Canada’s own www.kanetix.ca, to compare rates. By shopping online, you are sure to find the best deal on life insurance from many of Canada’s best-known life insurance carriers.

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Kade Phillips is a contributing writer at kanetix.com. For more information on life insurance, term life insurance analyzers, term life insurance calculators, or to get life insurance quotes kanetix.ca’s online service provides instant online quotes from some of Canada's most recognized and trusted life insurance companies.

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