Consumers should compare rates and policies with their own insurance companies.

With rising insurance rates, shoppers are finding more of a need than ever to compare policies and rates on the market.

As the Internet has made it easier for travelers to compare policies, companies are trying harder to compete (though new services may mean higher premiums).

These sites operate on a commission-basis by agreement with their participating health funds and allow consumers to compare policies before joining online.

The standard format would make it easier for elderly people and their relatives to compare policies, prices and benefits.

Be sure to compare policies closely before switching.

To compare policies, calculate the cost for $1,000 of coverage.

These illustrations should not be used as a basis for comparing similar policies issued by other life assurance companies or friendly societies.

The simplest way to compare policies and prices is by going to an online insurance broker like eHealthInsurance.com.

What should I compare policies on to make sure I get the best one for the price?