Comparing quotes online is a logical first step in the life insurance shopping process, but wise consumers won’t stop there. After going to a large insurance site and using their online quote engine, once you decide on a carrier, you’ll be called by an agent working for that site, who theoretically is supposed to help you with your decision.

But, in reality, this agent’s primary purpose is to convince you to buy from the carrier he or she represents. And in exchange for the illusion of convenience, you’ll be missing the opportunity to get legitimate expert guidance from an independent life insurance agent who has a vested interest in helping you get the best value.

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