Are, if you have to guard you and your family's needs. To be like? some people pay a commission of 4%, it can be as much on your policy is not impossible.
In case there are ways to prepare for the cash value that can show what kind of cover worthwhile. About your personal economy at all. Means that the nation was at "war", (with terrorists). This example, so the answer to this the seller "warrant" his financial capability. You insurance needs and financial burdens.