Life insurance rates is a topic that most avoid but it is necessary especially when you want to ensure that your loved ones are provided for. Not knowing too much about life insurance I was lucky enough to have one of my neighbors explained everything to me. He told me that term life insurance would be the better plan to get since it is cheaper than the rest. And since I’m saving money to purchase a house I’m glad that I would be able to help my family someday without having an exorbitant monthly bill.