Nobody likes to think about death. That’s why we have a number of “cute” expressions to refer to this not-so-cute phenomenon. Kick the bucket, buy the farm, pass away—the list is reminiscent of the scene from Patch Adams where Robin Williams tries to coax an angry patient into enjoying his last days on earth. But even though thinking about death isn’t fun, you could be cheating yourself and your family out of a secure future by not thinking about the inevitable. If we don’t think about death, we could be leaving our families unprepared when the day comes.

One way to prepare your family is by buying life insurance. Life insurance can prepare your family for the future by covering final expenses, debts, and loss of income due to your death. Whether you’re the primary income provider for the family, you produce supplementary income, or work in the home, you need life insurance to keep your family financially secure after your death. Funerals can be expensive, costing thousands of dollars that your family probably doesn’t have. In addition, debts and loss of income can cost your family substantially. If you have life insurance, your family will be prepared to deal with the financial crises that come with a death in the family.

But once you’ve resolved to purchase life insurance, how do you go about doing it? Online, every other web site seems to proclaim the cheapest life insurance rates and the best life insurance companies. If you’re going to get a good life insurance rate, you have to be careful about where you purchase. This is why getting a comparative quote is the best way to proceed. While CNN Money says that you should shop online, make sure you use a comparable quote service. These services allow you to get several quotes from companies at once, allowing you to save the greatest amount of money possible.

While shopping online, you should also be sure that you choose a life insurance policy that is right for you and your situation. Each life insurance policy is different. You want to choose a benefit amount and payment schedule that’s right for you and your family. There are some ways that you can save on your life insurance. Most importantly, you shouldn’t wait to buy life insurance. Instead, do so while you’re healthy and young. If you wait until you’re older, you might have to pay more for life insurance, as companies will see you as a greater risk factor.

Another piece of advice CNN Money gives to life insurance shoppers is to be sure they tell the truth. If you don’t, your policy could be void and you could be guilty of fraud. But if you’re going to be honest when you apply for life insurance, you should expect your life insurance company to be honest too. For this reason, make sure you check any company out with the Better Business Bureau and insurance regulating agencies before you buy.

If you follow these steps, you’ll be sure to get a life insurance policy that can help protect your family in the event of your death. Even though death might not be pleasant to think about, having a life insurance policy can help you sleep better at night.

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