It's the first month of the year and I'm sure some of you are planning to invest on life insurance. There are many companies out there that offers full coverage and dividends, the only question is the price. Some companies offer the same benefits at a much higher rate. So do your homework before purchasing. Looking over life insurance rates is a good step. This will give you an idea on how much you should really be paying for. Of course staying healthy and getting an insurance while you're still young can save you a lot of money.