I'm wondering if anyone has any advice on getting life insurance. I'm looking for a simple 20 year term policy for my husband. I'm getting a bit frustrated with all the gimmicky things with life insurance. I'm getting quotes for "hybrid term" policies even though I'm clearly stating I'm only looking for simple term. And everyone has riders built into every policy. So much of this seems like scams.
Is there anything I should be looking out for, or leary of that I might be missing? Anyone have a decent policy that they could recommend a good company to me??
Ugh, this is no fun at all.