Some direct marketing carriers are highly respected and provide superior telephone service. The best direct marketing companies can handle all of your needs over the phone. Be sure if you choose the direct marketing option, that the company is both reputable and financially solvent. Sometimes these agents have the only choice for canceled drivers. Understand that nonstandard policies are usually expensive and coverage is often more limited than you will find in standard forms.
Associations often contract with insurance companies to provide benefits for their members.
Always ask questions. Finally - if you don't feel you need the coverage, don't purchase the coverage. Keep asking questions until you are satisfied the coverage, company and plan are correct for you. However, choosing an agent just because the agent is a superstar life insurance salesperson may not be best for you either. Watch for complicated plans.