Buying anything that you are not too sure of is confusing and can get complicated if not looked into deeply. In case of life insurance, the language, terminology and the numerous people you encounter can further make it difficult. Sales persons and agents online, on the phone and offline can be quiet something to handle. To make matters worse, there are well meaning friends, colleagues and family members to share their wisdom. All of these factors more or less make it very difficult to determine how the policy will work for you.