First of all, beware that many insurance salespeople work on a commission basis, and may want to persuade you to purchase the policy that brings them the largest commission, rather than getting you the policy that makes the most sense for you.
Most of all, be sure that the company you are buying from will be in existence when you need them. Make sure that you check the insurer's rating before you consider doing business with them.
Always review the costs of any recommended policy. The commissions will be stated, and you can see exactly where the money that you contribute will go.
Ask the insurance agent to explain the different policies and why the one you agree on is the best for you considering your circumstances.