Researching life insurance. Also someone to insure my husband is toolbox and tools worth $20,000. Any suggestions? Thanks.

For the Life Insurance, ur best bet is to contact a lisensed insurance broker. Every company is a little different from the next. Some companies r really good for smokers rates, but not so good for non-smokers rates. Some r great for older people, but not so much for younger people. Some r great for term, but r not so great for whole life. A broker can assess ur situation & help find the best product to suit you. It is impossible to make a proper suggestion based on the limited information provided.

The broker may also sell property insurance as well where they can shop that around as well.

Try Farmers Insurance. They have good rates, and they also give discounts if you have auto/home with them.
Go to Farmers.com, and search for a local agent.