A. It is possible to get term life insurance online, but letting an agent work for you has several distinct advantages:
1. Experienced agents know which carrier offer the best rates and what types of plans are the most appropriate for a client's situation.
2. Term and permanent coverage is available that is suitable for the vast majority of people that apply. For people with serious medical conditions, there are companies that specialize in non-standard risks and your agents can guide you in the process.
3. "No physical" policies are also available from many of the top carriers. You don't know what you don't know, so it's better to talk to an expert and ask your questions and let them ask you questions as well.
4. During your application process, if anything doesn't go smoothly, for example, you didn't get the expected underwriting class from your first chosen carrier, your agent can help you analyze the situation and develop a shop around plan.
5. It costs the same for you to purchase either online or through an agent, so why not letting someone do the work for you and achieve better results in potentially complicated situations?
If you have any life insurance questions, please feel free to contact us.