You can buy an insurance policy through an insurance agent or broker or on the internet. Which way works best for you?

These policies hold no cash value. Please review the Optional Life Benefits at a Glance [PDF] and/or the Lincoln Financial Life Insurance Policy [PDF] for clarity on what this plan offers.

If you're overwhelmed by the sheer number of insurance plans out there, you're not alone. We found six policies you shouldn't waste your money on.