Grab Low-Cost Life Insurance

Some insurers are raising term life prices, and it's getting tougher to qualify for the lowest premiums.

I plan to buy a term life insurance policy. I know that premiums have been low for the past several years, but I hear that rates are starting to rise. Is now a good time to buy? -- J.K., Portland, Ore.

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Kimberly Lankford
Contributing Editor, Kiplinger's Personal Finance

As the "Ask Kim" columnist for Kiplinger's Personal Finance, Lankford receives hundreds of personal finance questions from readers every month. She is the author of Rescue Your Financial Life (McGraw-Hill, 2003), The Insurance Maze: How You Can Save Money on Insurance -- and Still Get the Coverage You Need (Kaplan, 2006), Kiplinger's Ask Kim for Money Smart Solutions (Kaplan, 2007) and The Kiplinger/BBB Personal Finance Guide for Military Families. She is frequently featured as a financial expert on television and radio, including NBC's Today Show, CNN, CNBC and National Public Radio.