Should I work with a life insurance agent?

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Buying life insurance can feel overwhelming. Ads promise instant quotes, quick coverage, and the ability to do everything online without talking to anyone. While that works for some people, others benefit from the experience and personal guidance of a licensed agent. The right approach depends on your health, financial needs, and comfort level with navigating options on your own.

When an Agent Might Be the Better Choice

• You have health concerns: If you’ve had medical conditions like diabetes, heart disease, or cancer, insurers view your application differently. A knowledgeable agent knows which companies are most likely to approve you — and at what rates.
• You want a range of options: Independent agents represent multiple companies. Instead of being locked into a single insurer’s pricing, they can compare dozens of carriers on your behalf.
• You value personal guidance: Some people want an advocate who explains the fine print, handles paperwork, and supports them if issues arise during underwriting.

When Online or Call Centers Work Well

• You’re young and healthy: If you’re in good health, many online platforms can approve you quickly — sometimes instantly — at very competitive rates.
• You want speed and convenience: Applying online or over the phone often takes minutes, with less back-and-forth.
• You’re comfortable on your own: If you don’t mind comparing policies, understanding terminology, and making decisions without personal advice, the digital route can be simple and efficient.

Factors to Consider Before Deciding

• How much coverage do you need? Estimating the right amount is one of the most important steps. If you’re unsure, read How Much Life Insurance Do I Need?.
• What type of policy fits your situation? Learn the pros and cons of different options in What Are the Different Types of Life Insurance?.
• Do you even need life insurance right now? Not everyone does. Our guide Do I Need Life Insurance? helps you decide.
• Why term insurance is so popular: For many, term coverage offers the best balance of cost and protection. See Why Is Term Life Insurance So Popular?.
• Big picture guidance: If you want a complete overview of how approvals work, underwriting basics, and how to get the best rates, start with the Ultimate Guide to Life Insurance Approval.

The Bottom Line

There’s no universal answer to whether you should work with a life insurance agent. For people with health conditions or more complex needs, an agent’s expertise can make a big difference. For healthy individuals who prioritize speed and convenience, online platforms often work just fine.

The most important step isn’t how you apply — it’s that you actually get coverage in place. A policy protects your family, whether it comes from an agent or a few clicks online.