So now you've some basic understanding of life insurance. You know about how much you're going to need, and you have a basic idea of what it's going to cost. The best thing to do now would be to do some shopping around. There are plenty of places online that will give you free quotes, as well as numerous agents in the yellow pages that would be more than happy to help you. Just keep in mind that the longer you wait, the more expensive it is going to be.