Most people believe that life insurance is a static product. You have to work around it with your specific problem. This couldn't be further from the truth.

First, an aspect of life insurance an agent uses to create flexibility in the product is the array of riders that can increase the benefit options in a policy. Such things as waiver of premiums, in case you become disabled and can no longer pay the premiums on your policy. The insurance company pays the premiums until you get back on your feet.

Child riders, offering exceptionally inexpensive coverage for children. Many insurance providers will automatically approve the child for coverage when it is time for them to get their own life insurance policy.

Return of premium riders. Also known as free life insurance, if yow survive to the end of your term, the company returns to you all premiums. This life insurance rider is guaranteed, you don't have to worry about markets going up or down.

The best way to tailor your policy is to create a checklist of benefits you want before you sit down to talk with your insurance agent.

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