Where Can I Buy Life Insurance? 
Nearly all life insurance must be purchased through the intermediary of a life insurance agent . Becoming an agent requires studying approved materials , passing a test , and taking ongoing continuing education . It required adhering to a code of ethics and abiding by many industry regulations . A good agent will also be honest with you and help you wade through the myriad of choices to find your best product and price for your needs . Good life insurance agents can be found online or in offices. ; in fact , many agents sell both in an office and online . You can read their bios , testimonials , and privacy practices to get a feel for who to trust . Then call them . Quote engines can give you an idea of your premium , but accurate quotes almost always require some back and forth conversation -LRB- even if by email -RRB- to determine if you qualify for that rate . 