This is to ensure that you get the best possible rates and the best possible life insurance for your needs.
Different life insurance companies sell different types of policies so you need to do a life insurance comparison of all the different types available. You also want to get a policy with low cost premiums.
There is a vast difference between the two. Term life insurance is only good for a specific period of time. If you do not die within that term, then the life insurance policy expires and you will need to renew the policy or purchase another.