Here are his tips for buying insurance on the Web. Make sure the quote you get from the carrier accounts for all of your health and risk conditions. If you're an avid scuba diver, a Web questionnaire may not take that into account, so they might quote you a different rate than the one you'll eventually qualify for. It might be a bait and switch. Answer questions truthfully.
Carriers are really good at ferreting out any fiction.
The worst scenario would be if you lied and were discovered when you submit a claim. Your claim could be denied, even if you've been paying premiums all along. Consider the level of service and advice that you need. But if you want a relationship with a local agent who can stay with you over time and maintain personal contact, you might want to do business offline.