It used to be that you had a face to face insurance agent normally right there in your local community, which may or may not have been a good thing. It is my belief though, that you get better service from someone you know on a personal level.

These days with the Internet, these same local insurance companies are out there fighting for your business still claiming that they can provide you with the best life insurance rates possible. It is tough for them to compete on a large scale with the big companies out there selling online to thousands of people a day.

You can search right now for no medical exam life insurance, guaranteed written or fully underwritten life insurance and find all kinds of companies willing to compete for your business. It really is a neat thing. I am not big on hurting my local community, but I am not going to pay more just to support it unless the service I am getting is next to none.

Most people realize that life insurance is life insurance, if you are covered than your covered but I would still pay a little more for good customer service and for someone I knew personally. I just think when it comes down time that you ever have a life insurance claim they would treat me better.