Q: How do I know if a life insurance policy is right for me?

A: The agent will recommend a life insurance policy that he or she thinks will meet your needs. Look at the recommended policy with care to be sure it fits your personal goals.

Often, an agent will provide a “policy illustration” that shows how the policy will work.

Carefully study your agent’s recommendation and ask for a point-by-point explanation. Make sure the agent explains items you don’t understand. Because your policy is a legal document, it is important that you know what it provides.

Aug. 31, 2005.