As I wrote in this blog post, Life insurance through work is not enough, personal finance experts, like Dave Ramsey & Suze Orman, recommend you buy an individual term life insurance policy. But does everyone need a term life insurance policy? If you need term life insurance, when is the best time to buy it? If you are like me, you get plenty of e-mail offers for term life insurance, from online insurance agencies, like Matrix Direct or Selectquote.com. Maybe you have pursued getting term life insurance quotes, or used online life insurance calculators & term life price comparison tools, like the ones at Term4Sale.com, to find the companies with the best prices for term life insurance, but decided to put off buying it. Continue reading →