Bangalore: For any person, his family and financial responsibility are the top priorities in his look for various options to build your assets. You might consider investing in stocks, mutual funds. You might seek advice from financial advisors to manage your money and build on your investment. Even with good money management and planning, certain mistakes can be prove to be fatal. Most of the time you are occupied with the thought of making money, but have you thought of an event where you would lose your life? How will your family carry on their life without any compromises? Not having a life insurance policy can turn out to be a costly mistake. In your absence, you don't want your family to be over-burdened with the financial worries. When you are buying life insurance, the first ones you would approach is the insurance agents. With so many choices at hand, you need a trustworthy company, as well as an agent who understands your concerns and can provide the products and service that complements your needs. Selecting an agent begins with asking a few questions - the answers to which will help you decide who you can trust. How Is Your Insurance Company Rated? Before you could make your pick on your insurance agent, it is important to check with your agent on the insurance company's financial structure. Have a look at the insurer's annual reports. The annual reports should talk about what they do, the investment policies, whether their policies caters to the investors' interests. Don't just look for a company that offers the lowest premium.