If you have been thinking about buying life insurance there is no better time to consider it. Life insurance companies are competing for the lowest life insurance rates on the market. But buyers should avoid common mistakes that people make when shopping for insurance.  Many life insurance shoppers are afraid they cannot afford the premiums. There are policies for every budget, especially with term life insurance. People often let prices be the only guiding force in buying life insurance but choosing the right product for your personal needs, such as an overweight applicant with high blood pressure, should be the deciding factor. Learn how NOT having life insurance protection for your family is the real mistake.