Whether you need a life insurance agent depends on your knowledge of insurance products, comfort with the buying process, and the complexity of your coverage needs. Evaluating these factors will help you choose the approach that gives you confidence in your coverage decision.
Agents provide valuable expertise for people unfamiliar with life insurance options or dealing with complicated financial situations. Your life insurance agent tailors coverage recommendations to your financial situation. They consider your age, health status, family structure and income when suggesting policy types and coverage amounts. You can get advice as your life changes through major events like marriage, children or career advancement.
You may not need an agent if you already understand how life insurance products work and know exactly what type and amount of coverage you want. Direct purchases make sense for people comfortable researching and buying insurance online. Simple insurance needs require less guidance than complex financial situations.
