Survey, opinions, and preferences purchasing Insurance

Question

If given the opportunity, would you purchase insurance ( Life/Health, etc..) on line or would prefer face to face interaction with the agent/broker fulfilling your quotes and contract for you? WHAT'S YOUR PREFERENCE?

Answer 1

Face to Face.  Better service and you have someone to hold responsible besides a telephone number.

Answer 2

Face to face is better as you can ask questions and many times brokers will have better ideas for policies and which ones will actually cost you less in the long run.  Good Luck.  

Answer 3

OK, I'm the perfect candidate to avoid the agent and buy online, but I ALWAYS use an agent.  And I NEVER "spit in my own soup" - my insurance is NEVER with the agency I'm working for.

Answer 4

For life insurance, face to face is better for me. I have too much industry knowledge and experience, so if I went to purchase a life policy today, it would be something much more complicated than an online term or whole life policy, which is mostly what you get online. I would be looking for something more complex, like a VUL, and would want to talk in depth about investment options and fund allocations.

Even if I were not purchasing something other than term or whole life, I would still use an agent. It's just good practice.