High-cost life insurance policy is not highly recommendable. When you say high-cost life insurance plan, the policy is a combination of life insurance protection and savings wherein a low-cost life insurance policy covers only protection. So that when an agent offers you a policy, always ask the effect of deduction and the reduction in field. It is alright to ask the amount of commission. If the agent failed to do so, it’s time for you to doubt. The agent may be hiding something and if possible, you may already decline the offer. You should also determine the value of the decreasing term insurance providing the same coverage from different agents so you can compare.