I want to get life insurance for myself and also my dad but feel lost on where to start. (CO)

My dad is 59. I’m in my early 30s. I want life insurance because I have small children and worry about what would happen if anything happened to me. They would be truly in a bad spot. They would not be able to afford a funeral and would be left in bad shape. I don’t want that. I want to know that everything would be okay.. I recently lost my mom to cancer and she had nothing and no insurance so we couldn’t even afford a funeral and it was just awful. It got me thinking I need to get this taken care of.

I also am looking to get it for my dad. He has gone on about life insurance but he puts off ever going and is super bad at procrastinating all around. He has asked me to help him find something because he never gets around to it. He ask me to help him find something when I brought up getting it for myself. My dad and I are a lot closer because he mostly raised my siblings and I by himself – we are best friends and if anything happens to him we are going to really struggle to get through it and don’t want it to be like it was with my mom. I don’t think I could handle it.

I need to know what options I have- for both of us. The differences. I just want a straightforward trustworthy one that will cover us. We are both healthy, no smoking, no drinking, in shape, his health issue is only arthritis and gout. Mine is ibs. No other issues and both have regular checkups and physicals with the doctor.

I’ve looked online but I can’t tell which are good and which aren’t and where to even start. There are so many.

I also have a friend who had it for her and her husband and when her husband died they ended up in a battle because they decided it was a pre existing condition.. she didn’t know and she said it was a nightmare. I don’t understand all of that. I don’t want to end up screwed over.. or leave my kids in that position. That really scares me.

Are there agents you go to that can help or what is the first step?

I’m lost in it all and need some help. I appreciate any pointers or suggestions.

Colorado Springs Colorado. submitted by /u/Unbake_my_tart_
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