People give a lot of consideration to life and car insurances since they have concerns of protecting their life and car. Among other insurances, people also have a preference of protecting their loan, credit card repayments, mortgage, etc, but these two are given the most consideration. Considering the economy of today, a majority of the people want to avail these insurances at the most reasonable costs. It is important for almost everyone to have life insurance and once they learn to drive a car they should also ensure it as well.
As far as cheap life insurance is concerned, a no load life insurance policy is the best option for you. It is a policy which will continue with you for your entire life and with continue to help you build cash value. There is no load in this policy since the premium which is usually paid for various factors are cut down. Life insurance brokers always sell these policies. They also do not need to make huge commission on all of their sales since they are licensed to a variety of companies. This should definitely be the right policy for you and it is agreed upon by financial planners as well as advisors.
It is true that once you learn driving your car should be insured but this would also mean that you are a new driver. If that is the case, then going for a lower insurance group is the cheaper option for car insurance for first time drivers. You will soon be able to move up the groups without an increase in your premium, as long as you there are no penalty points in the no-claims profile that you are maintaining. For first time drivers, it is also important that they evaluate a variety of groups before actually buying any of their policies.