<h1>Term insurance purchase choice: online offers lower premiums and transparency, agents provide personalised guidance for buyers.</h1> Choice between online purchase and agent-mediated purchase of term life insurance depends on trade-offs between cost, transparency, speed and personalised assistance. Online sales remove intermediary commissions and often lower premiums while requiring buyers to self-assess policy terms, exclusions and benefits; agent-mediated purchases provide explanation, paperwork handling, offline payment options and post sale assistance but typically increase effective cost and processing time. Consumers should select the channel that aligns with their need for price efficiency and autonomy versus personalised guidance and support.