Why choose to work with an agent?

Why You Should Use a Life Insurance Agent Instead of Buying Online

In today’s world, you can do almost anything online—order dinner, book a vacation, even buy a car. So it makes sense that life insurance companies now offer online policies with just a few clicks. But while the convenience is tempting, life insurance isn’t a one-size-fits-all product—and that’s exactly why working with a life insurance agent is still the smartest move you can make.

Here’s why choosing a life insurance agent beats going it alone online:

1. You Don’t Know What You Don’t Know

Life insurance can be surprisingly complex. Term or whole life? How much coverage do you actually need? What riders should you add? What’s the best company for your specific health profile?

An experienced life insurance agent asks the right questions, explains your options clearly, and helps you avoid costly mistakes that could leave you underinsured—or paying way too much.

2. Personalized Guidance

Online platforms use algorithms. Agents use experience, intuition, and real conversation. A good agent takes the time to understand your family situation, goals, budget, and future plans. They’ll tailor a solution that actually fits you, not just the averages.

3. Access to More Options

Most online platforms offer policies from just one or a few companies. Agents—especially independent ones—can shop around with multiple insurers to get you the best combination of price, benefits, and underwriting flexibility.

And if you have any health concerns or a non-standard situation (like being self-employed, having a risky hobby, or needing a large policy), an agent can connect you with companies more likely to approve your application favorably.

4. Help With the Application Process

Buying life insurance involves paperwork, medical exams, and sometimes frustrating follow-up questions. An agent acts as your advocate, guiding you through the process, answering questions quickly, and handling communication with the insurer on your behalf. It’s one less headache in a process that can easily get overwhelming.

5. Ongoing Support

An online platform can’t call you in five years to review your policy. An agent can. As your life changes—marriage, kids, mortgage, new job—your insurance needs will change too. A trusted agent is there to help you keep your protection up to date.

6. It Doesn’t Cost More

Here’s the kicker: in most cases, using an agent won’t cost you a penny more than buying online. In fact, it may save you money by helping you avoid the wrong policy or unnecessary riders. Agents are paid by the insurance companies, not by charging you fees.

Bottom Line: Convenience Isn’t Always Better

Sure, buying life insurance online might save you a few minutes—but it could cost you in the long run. When it comes to protecting your family’s financial future, getting expert advice from a life insurance agent is an investment worth making.

Have questions or want to talk through your options? Reach out—I’m happy to help.

Kevin