Do you have term insurance?  If so, is it level for 5-, 10-, 15-, 20- or 30-years? Do you have the Waiver of Premium rider or the Return of Premium rider?

Do you have permanent insurance? If so, do you have universal life, whole life, or a blend of term and whole, also known as a “hybrid” or “blended” product? Is it variable or traditional (fixed), or is it an equity indexed plan? Are the premiums guaranteed, and is the death benefit guaranteed? If so, for how long?

Confusing? I might be able to help!