Many people misunderstand the principles behind Life insurance. Most of them believe that when they take out a policy they will be guaranteed a payout at the end of term. They tend to think that the insurance will cover everything and that they can claim some money for completing the contract without making aclaim.
This is not always the case first of all,you have to understand what kind of insurance policy will serve you best. This mean asking an agent to explain all the types of policy available and what kind of cover available.