[shaneo69]

I work for one of the largest U.S. life insurance companies, and I've never heard of this company or that type of supplemental insurance. I've heard of Accidental Death add ons, where the beneficiary of a life insurance policy (your wife) would get extra money if you died in an accident, like a car crash.

I would be wary of buying from someone like this. I think your best bet is to check your life insurance coverage that you have through your work benefits, then do a little research online yourself. Not sure what your family situation is, but if you are the main breadwinner and have kids, you want to get enough life insurance to cover your mortgage and maybe your kids' college, plus living expenses for your wife. I've heard people say the main breadwinner should get about 7x your annual salary in life insurance. If you have young kids, 20-year term may be sufficient, because if you die after that, your kids will already be grown up and have jobs of their own. If your wife doesn't work and depends on your income, then you may want to look at permanent whole life.

Once you've looked at several well-known companies online, you can call and have them send someone out to your house to discuss further. At least then you're making the call on your terms. You definitely want to be educated when you're ready to talk to the salesperson.