We had a man over to our house last night to help us get signed up for a good life insurance policy. You don't want anything but term life insurance. Only with term are you guaranteed the amount that you are paying for. With all the other types, the insurance company keeps a large chunk of it.
While he was here, he mentioned to us something that we didn't know that goes for all types of insurance, life, health, etc. If you do not have an agent, and something happens to you, then no one can represent you to the insurance company. I don't know all of the details of how exactly it works, but I do know that if you want representation, you must have an agent.
It was interesting to note.
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