Why should I buy insurance from an agent rather than directly from the insurance company? 
With many companies , an agent is required before they will take your application . And many people get declined , get a policy they did not understand , or pay more than they need to pay when they decide to apply on their own . It does not cost any more premium to use an agent , and the services an agent provides can be very valuable . There is one more reason to use an agent to apply for a policy . When an agent points you to the most affordable life insurance for your health and age , your agent will not make any income from that advice unless you apply through him/her . Obviously , agents can not make a living just giving out free advice . And again , it costs no more for you to apply through the agent - in fact , it could save you a lot of time , money , and frustration to let your agent guide you through the application process . Thank you for asking - that was a great question . 