By Life Quotes, Inc. Staff

While life insurance is widely seen as a safety net for families and others, a leading consumer organization is advising people to think carefully before choosing to purchase certain types of policies.

This week, the Consumer Federation of America advised people to be very careful when handling pitches for “add on” insurance from those selling products such as cars, homes and electronic devices.

“In our experience, insurance offered to you in conjunction with the sale of other products is often not needed or, if needed, can be purchased much less expensively from other sources,” said J. Robert Hunter, the CFA’s director of insurance.

Hunter also advised consumers to check their existing forms of coverage, including life insurance, to determine whether they are already being provided with the financial protection they need.

Among the types of insurance cited by the CFA as frequently offering little benefit to consumers were travel insurance, title insurance, car rental insurance and debt cancellation insurance. In fact, people shopping for life insurance policies are often advised to purchase enough coverage to pay off all of their debts, including mortgage, upon their death.

This article was originally published by Life Quotes, Inc.