Life insurance is something most of us need -- but choosing the type, terms and amount of life insurance can be daunting. Do you want term life insurance, or universal? Is a higher premium better? Do you really need a $1 million dollar life insurance policy? Today were explaining everything you need to know. Sit back, grab a cup of coffee and peruse our ultimate guide to life insurance! Types of Life Insurance The two major types of life insurance are term life and permanent life (...