Genuine Or Not?

Mostly the big problem of people here in United States is the high cost of insurance that it is gotten out of hand but then the service is not really that impressive. Some of them were even fakers that people get into it and realizes later on that it's a scam. That's why my husband is really meticulous when it comes to this matter. He is always reminding me to investigate and do some more research if i want to get a certain service so i won't be fooled by these crooks that are doing those hoax. But anyway, i am so glad that hubby is very careful and knowledgeable when it comes to things like this, because i myself is not fully educated to what i must get and what should i expect to get from an insurance. According to my husband, that the good insurance should have best term life insurance quote. I guess i must learn something like insurance, because it is indeed important for me to learn and be aware what's genuine and what's not.