<h1>Digital vs. Traditional Term Insurance: Weighing Convenience, Cost, and Personal Guidance for Optimal Coverage Selection</h1> Term insurance can be purchased online or through an agent, each with distinct advantages. Online buying offers cost savings, convenience, and transparency, allowing individuals to compare policies and obtain coverage quickly without intermediary involvement. Offline purchasing provides personalized guidance, expert advice, and flexible payment options but typically involves higher premiums. The choice depends on individual preferences for digital independence or personal consultation.