Can I Buy A Life Insurance Policy Online? 
When you go to buy a life insurance policy online , you will run into a number of options . From the most to least automated , here are some of them . 1 -RRB- You put your information into an online application and your policy is issued within minutes . I have seen these websites come and go and am not sure how many exist online at this time . Premiums are comparatively high because they do little to no medical underwriting , and everyone may be lumped together at the same price . It puts a lot of responsibility on the individual to read the fine print . 2 -RRB- You enter your information online and get a quote . At this time , you fill out an application with an agent over the phone , or fill out the app online and then do a phone interview with the life insurance company . Because this type of policy digs a little deeper , premiums are more competitive . I like this option for people who are in a hurry or who hate to fill out paperwork . I do recommend at least talking to an agent before filling out the application with the company , as an agent can steer you in another direction if there is something in your profile that would cause you to be declined or rated up . 3 -RRB- You get a quote online , then email or talk to an agent to determine whether that is your best rate . Then you are mailed or emailed an application that you can complete and fax , mail or email back . There may or may not be an exam involved . At the end , you have a policy just like you would have had if you had gone to a local insurance office . This is a good choice for large face amounts and for people with health conditions . It allows us agents to be involved from the get go so that we can prevent problems and make sure the policy is issued at your best possible rate . The best part about buying life insurance online is being able to do it all from the comfort and convenience of your home . You can make it as automated or personal as you like . I hope the above helps you determine what option is best for you . 