Many consumers, so knowledgeable when it comes to considering the costs of auto, medical, or homeowners’ insurance, are clueless when it comes to life insurance. Perhaps life insurance offers the additional psychological difficulty of having to plan for something you will never be able to experience. Regardless, in the words of Rory Roniger of the Louisiana-based Eustice Insurance Group, most people “go into [buying life insurance] half-cocked, with numbers they literally pull out of the sky.”