life

Most life insurance companies sell their products through agents, rather than directly to the public. Some companies use "captive" agents, who can only represent one company. Most competitive term insurance providers (such as those featured at this site) use independent agents, who are free to represent several companies. These agents can then help you select from a variety of products and companies to tailor a plan.

Since the company sets the premium, he price you pay for a given product will be the same no matter where you buy it. (Insurance regulations prohibit agents from changing the price). So, "price shopping" for an agent won't provide much information.

You are better off to work with one agent who can help you put together the best possible protection plan for your specific needs. To help you get started, we have put together a group of agents who specialize in selling low cost term insurance using a computerized database. You can access them on-line, and they will respond to your requirements right away.