When its time to accept reality and do what you have know you needed to do for awhile and apply for life insurance, where do you begin. If you type in "life insurance" into a search engine, 1 trillion 270 million search results come up. After reviewing the first couple pages, you see companies like Allstate, Guardian, Geico, Farmers, New York Life, Metlife, and Lincoln. Where to start? Do I call one of these companies directly? Do I call