Where Should I Buy Term Life Insurance? 
You should buy term life insurance from an independent agent because they can review options from multiple companies . Captive agents generally only offer you their company first before looking at other options . Some people prefer to buy online so they `` do n't have to be bothered '' with the process of buying insurance . However , this can often result in you not getting the best product for your needs because you do n't know what risk class you would qualify for from each company . Each carrier has their own underwriting guidelines and not every company is going to offer you the same risk class - e.g. company A could offer preferred and company B could offer standard . Online instant quotes only provide numbers based off of given criteria and there 's no guarantee you would qualify for it - in short , they are just rough estimates . You need to understand what risk class you would most likely qualify for from each company before applying - simply put , not everyone gets the preferred plus rates -LRB- which is what many people will quote themselves when running instant online quotes -RRB- . Also , applying to multiple companies at the same time can often work against you . Independent agents can help you through every step of the process in great detail and provide you with much more accurate quotes than what you may be looking at on your own . If I can help you out with your life insurance needs or if you have any other questions , send me a message by clicking on the `` contact me '' button . 