Life insurance is an important financial vehicle designed to protect loved ones in the event of the policyholder's death. The resulting infusion of cash can be critical for those left behind, helping them cover funeral costs and fulfill other needs. Purchasing a policy can be confusing and expensive if you've never done it before. There are many variables to consider (How much coverage do you need? What type of policy should you get?) and each comes with its own price tag. We asked experts across the country to share their tips for saving money on life insurance.