My mother has had a life insurance policy for many years. Recently, she decided to purchase another policy to be sure it covered all the expenses our family would be facing. She called many insurance companies to get different term life insurance rates. There were also some others that were on the internet to choose from. As you get older, sometimes term life insurance rates can be more expensive. You can pay by the month, bi yearly or yearly. She found it was sometimes cheaper to pay by the year. She never had any health problems, and still doesn’t, but still wanted to cover all expenses, if it was not too costly. In comparing all the different term life insurance rates she received, she still has not made up her mind of which one she wants to purchase.