In these economic times, it is especially advisable to investigate insurance company practices before buying life insurance. In past years, many insurance companies were fined for their practices regarding life insurance dividends and premiums. As a result, many of the states changed their laws. If there are any questions when applying for life insurance, here is a website with the regulations pertaining to each state in the United States.
Some people are still being approached to withdraw dividends to pay for premiums on life insurance policies and to use dividends as ways to fund investments. It is advisable to investigate any propositions to ensure that money or benefits will not be lost.