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No, you cannot save money by buying term life insurance directly from a life insurance company. Regardless of where you buy that life insurer’s policy from – an agent, an online broker or directly from the life insurer – you will go through the same qualification process and ultimately be offered the same rate. Insurance policies aren’t like consumer products, where the exact same model may be sold for a different price at two different places.

Not only will you not save money by buying directly from a life insurer, but not looking at your policy options using an independent agent could actually end up costing you money.