If you're shopping for basic life insurance and you want an expert's advice, you can contact an agent or broker. These experts are free and should be able to answer your questions and even help you find a good policy.
Brokers and some agents will compare products from a variety of insurers, but some agents only deal with a single insurer so be sure to ask first.
If you have a complicated financial situation, you might want to seek out a financial advisor. He or she can review all of your assets and help devise a custom approach that's best for your needs.