Where To Buy Life Insurance From? 
Life insurance companies usually sell their products through agents , although some carriers sell products directly online or via snail mail . Life insurance agents are either captive , independent , or brokers . Captive agents usually sell for one company , whereas independent agents and brokers can sell products from multiple companies . Some people like to stick with one company for all their insurance needs -LRB- home , car , health , life , etc -RRB- . For them , a captive agent may be best . Others want to get the lowest price for each type of policy they purchase . Using an independent agent or broker can help you get a life insurance policy that is most competitive for your age , health , or type of policy that best suits your needs . Any of these options can be found online . Websites that offer online quote engines generally can do nearly all of the transaction digitally or by mail . Other websites tell you about the company so that you will call them to set up an appointment . Whatever you are most comfortable with is where you should buy your life insurance from . 