If you’re thinking about changing up your life insurance policy, Clark strongly suggests that you shop around for term life policies. There are 20-year, 30-year, and 40-year level term policies, plus a few more. Level term means you buy insurance for a set number of years depending on your age and who is in your family. For example, if you have young kids and you want to provide financial security for them until they are adults, you would want a 20-year term policy. If you’re 35 and it’s just you and your spouse, you probably want to provide for the remainder of your spouse's life, if you die. So, you’d probably want a 30-year term. The prices keep getting cheaper because life spans are getting longer. As a result, you’re in a position to buy insurance at a much lower rate. Just make sure that when you’re buying this insurance, you get enough to take care of all your loved ones. Usually, a good bet is 10 times your current income. If you make $100,000 a year, for example, you need a $1 million policy. You can shop online now and compare quotes from several companies. One site Clark likes a lot is insure.com. Just be sure you go with a company that gets either an A+ or an A++ rating from AM Best.