How To Purchase Life Insurance Online? 
If you decide to buy life insurance online , let me clarify one important point about the cost . Whether you go to my website , any other insurance website , or meet with any agent in the country , the price for a particular insurance policy will be the exact same , regardless of where you buy it . Life insurance premiums are fixed by the insurance company and no one is given preferential pricing . I think it can be helpful to do some initial research online , but it is of utmost importance to discuss your particular situation with a knowledgeable agent . You can run insurance quotes on many websites , but the cost is only an estimate until the insurance company approves your rate class and the policy . I have seen several instances where someone sees a low price , goes through the application process , and gets a different rating than they applied for . Then the premium is much more expensive than what they first saw . This could have been prevented by speaking with an agent first who can do some preliminary underwriting and guide that client toward a company that will offer the highest rating and lowest premium for their unique circumstances . My advice for purchasing life insurance online would be to work with a knowledgeable advisor who can help you sort through the many options . The price will be the same and the advice and guidance will be free . 