Why do you want to buy online? It will cost you the same and the companies are the same if you buy online or if you buy from an independent agent.

If you have pre-existing conditions or are over or under weight how do you know if the company will decline, accept, accept with a rider, or accept with a rate-up. The agent knows the market in your area and can find the best plan for your situation. They know if a company will rider your asthma or allergy or if they will charge you more because you are 5 pounds heavier than the preferred weight class quoted online.

The 2 or 3 hours spent with an agent is much better than spending 40 or 50 hours trying to compare online quotes.