Mr. Jones:

The most important thing is to do a NEEDS analysis to determine what your needs are.  Next, you should find a trusted agent you can rely on for putting your interest first before their commission or bonus.

It is imperative you have a budget to best understand what you can afford versus simply what you need or want.

It is also essential to have a will, health care directive, health care power of attorney, and a regular power of attorney. It is also important to make sure your property is tilted properly and your beneficiaries are identified accurately.

There are various type of life insurance and some are great for many and many are great for few. Read, educate yourself, challenge you agent to describe and explain not only the differences but why one choice is preferable to another to meet your specific needs.

Lastly, make sure the agent is licensed in your state.

Good Luck.