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How to Determine Which Life Insurance Offering is Best for You In the last ten years life insurance premiums have fallen by 33 percent. Americans are living longer and longer, which means insurers have to pay benefits less often. Although buying coverage is not an easy decision to make, it's critical if you want your loved ones to be financially secure after you die. One in three Americans has no coverage, and two out of every five people who are insured don't think they have enough protection. For those who have been putting off purchasing coverage because of the costs, there is good news. Increased competition and lower mortality rates have joined forces to make costs lower than ever....

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