As technology continues to improve, the concept of a buying life insurance on the Internet is constantly evolving. Five years ago your buying choices on the Internet were pretty much limited to applying with quote sites that essentially acted as your online independent agent and gave you a list of premium rates. There was always the argument that if you knew what product you needed and you didn’t want to mess with an agent buy online, but if you weren’t sure what you needed, then go to a local agent and let them provide that extra level of service.

The lines have now blurred. Now many of the insurance companies themselves are selling their products directly online to consumers and many agents have gone online themselves. Both have added some of the convenience factors that were normally reserved to the online quote sites. Now many of the quote sites have added extensive educational resources to their websites and have added new dimensions of customer service to offer a little more than just a few emails and an envelope in your mailbox.

The one thing I will say is that if you have a special health condition (e.g. bipolar, high risk profession), then you are still better off finding a local independent agent that is familiar with the underwriting guidelines of the different companies and can find you the best policy. Agents that are connected within the industry can make contact with insurance companies and find out what kind of rate they will offer you given your special health condition and avoid the hassle of you going through the full application process with a number of companies to find out where you can find the best rate. That said if you don’t have a quality independent agent in your area, then more and more of the best agents are setting up shop online and offering their services to more than just one area.

Has this helped? Please let us know. In addition consider using our FREE QuoteClix.com quote service to find a cheaper life insurance policy. Insurance rates keep going up and we have contacted insurance companies in all 50 states to help find the best price for your life insurance.