Insurance brokers naturally sell you a policy from a company they are associated with. Because they only offer you a choice of policies from a handful of companies, it is safe to say that you may not be getting the best deal. On the contrary, an online life insurance agency deals with hundreds of life insurance companies, and you have a wider choice, so your chances of getting the most affordable rates are quite high.
Policy rates also generally depend on your age and health. Online insurance agencies can help you in determining the best life insurance quotes even if you are older or not in the best of health. Look for an insurance provider website that is BBB accredited. It will be able to find you the best policy at the most affordable price.
Denise at AccuQuote
Disclaimer: I work for AccuQuote and this is my personal opinion.