If you have a family that relies on your income and a mortgage, life insurance is a crucial part of a financial plan. A life insurance policy’s death benefit ensures that your spouse and children can pay off debts and plan a future without your income. And buying a term life policy — which pays the death benefit only if you die within the policy’s “term,” often 10 to 30 years — is less expensive than you may think. A 30-year-old woman can buy a $500,000 policy with a 20-year term for just under $20 a month, according to NerdWallet research.

But life insurance choices can be confusing, and you might receive sales pitches from your insurance agent and even through the mail. Which policy is really right for you? Ask some extra questions if anyone tries to sell you one of the following.