...young families with children. "It really becomes important more so when you're married," said Lee Roberts, an insurance adviser with Sanford Bruker & Banks Inc. "That way (survivors) won't be saddled with unexpected debt." Reach Eric...

...wouldn't choose a doctor or a lawyer or an accountant by calling around and saying, 'What do you charge per hour?' " he said. A better idea, Hungelmann says: Shop around - by word of mouth - to find the best insurance advisers.