Where Should I Buy Term Life Insurance? 
Ditto what Jason said . In other words , you want to buy from an independent agent and you do not want to buy from a captive agent -LRB- an agent who can only sell one company 's insurance -RRB- . Before you contact an independent agent , use an online life insurance quoting site to compare rates . That way you will be prepared for the conversation and forearmed against being sold the wrong product for your needs or more insurance than suits your situation . 