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TaxTMI 
Should You Buy Term Insurance Online or Through an Agent?
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....hould You Buy Term Insurance Online or Through an Agent?<BR>PTI News<BR>Dated:- 12-4-2025<BR>PTI<BR>New Delhi [India], April 11: Term insurance is one of the simplest ways to ensure your family’s financial security. There are two ways to buy term life insurance—through an insurance agent or directly from the insurance company online. Many insurers provide both options, but the process and expe....
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....rience can be quite different. While one involves personal assistance, the other puts control in your hands. But which approach makes more sense for you? Let’s explore. Buying A Term Insurance Plan Online Buying a term insurance plan online is like shopping for anything else on the internet—quick, convenient and hassle-free. You get to browse through different policies, compare premiums and ....
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....choose a plan that fits your needs, all from the comfort of your home. No appointments, no paperwork, no middlemen—just you and the insurer’s website. One of the biggest reasons people prefer buying online is cost savings. Since there’s no agent involved, insurers don’t have to pay commissions, which means the premiums are usually lower. You’re paying only for your coverage, nothing ex....
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....tra. Plus, everything is transparent. You can read the fine print, check claim settlement ratios and go through customer reviews before making a decision. The process itself is simple. Insurers provide an online term plan calculator where you can enter your details and get an estimate of how much the coverage would cost. Once you choose a plan, you just upload the required documents and make the....
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.... payment. In many cases, the policy is issued almost instantly. There’s no need for lengthy meetings or back-and-forth discussions. However, since you’re handling everything yourself, you need to be extra careful. Without an agent guiding you, it’s up to you to read the terms, understand the benefits and ensure you’re making the right choice. If you’re someone who likes to research and....
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.... prefers full control over your decisions, buying a term insurance plan online is a smart and efficient option. Buying A Term Insurance Plan Offline Buying a term insurance plan offline is a more traditional approach, where an insurance agent plays a key role in guiding you through the process. If you prefer personal interaction and expert advice, this might be the better option for you. An agen....
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....t can explain different plans, help you understand technical terms and suggest coverage options based on your financial goals. One of the biggest advantages of buying offline is the human touch. You’re not just reading about policies on a screen; you have someone answering your questions, clarifying doubts and ensuring you don’t overlook important details. This is especially useful if you’....
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....re unfamiliar with insurance or find the terms confusing. The agent handles most of the paperwork, making the process smoother for you. Another plus is flexibility in payments. While online purchases usually require digital payments, buying through an agent often gives you the option to pay via cheque or other offline methods. If you ever need assistance with claims or policy changes, having an ....
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....agent as a point of contact can be reassuring. However, this convenience comes at a price. Agents earn a commission, which means offline plans may have slightly higher premiums. The process can also take longer since it involves meetings, documentation and manual approvals. However, for those who value guidance and a more hands-on approach, the extra cost and time may be worth it. Final Though....
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....ts Choosing between online and offline term insurance depends on what matters most to you. If you prefer convenience, transparency and lower premiums, buying online is a smart choice. Insurers often offer discounts on online plans since there are no agent commissions. You can compare policies, use premium calculators and get instant coverage—all without paperwork or delays. If you value person....
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....al guidance, an agent can help you navigate complex details and suggest the right coverage, but this may come at a higher cost. Ultimately, if you’re comfortable making decisions independently, online is ideal. Otherwise, an agent’s support can offer peace of mind. (Disclaimer: The above press release comes to you under an arrangement with PNN and PTI takes no editorial responsibility for th....
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....e same.). PTI PWR PWR<BR> News - Press release - PIB....