When shopping around for Health insurance you can either contact one of our sponsor insurance companies or talk to an independent insurance broker.  Big companies often have a long line of insurance products to choose form, but those products do not compete between themselves, no matter how great they are. An independent insurance agent usually works with at least a few companies and is most likely more knowledgeable than you in matters of comparing different life policy types. Before making a decision, it is not a bad idea to talk to a few agents and ask questions to gain a better understanding of all the aspects involved.