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Purchasing Life Insurance Policy Online vs Offline

Updated On Jun 08, 2021

Life insurance policy can be purchased over the internet and you can even purchase it by walking into the insurance company’s head office. It's very obvious that you will get personal attention and consultation at the insurance company branch office but with technology making lives easier such facilities are available online as well. Now you can purchase life insurance policies with the same facilities provided online in a matter of a few minutes. 

Though it may seem a little skeptical, purchasing a life insurance policy online is a much better option than purchasing a life insurance policy offline. Let's discuss the difference between purchasing life insurance offline and offline.

Purchasing Life Insurance Policy Online Vs. Offline

While looking for an insurance plan that matches your requirement, you would want to compare several life insurance that will satisfy your coverage requirements and will not bother your pocket. Purchasing life insurance plans online lets you avail the benefit of comparing several life insurance providers and the life insurance policies they offer. On the other hand when you choose to buy it through an agent you will not be provided with this benefit because the agent might insist on buying a life insurance policy from their company.

You may get personal attention from agents when you opt for purchasing life insurance policy from the agents of the insurance companies but you will only get the attention when you reach out to them. When you choose to opt for purchasing a life insurance policy online you will get the benefit of having personal attention 24x7, i.e. if you have queries in your mind regarding the purchase or regarding the insurance plan you need you can access the insurance provider’s website for such assistance.

The life insurance plans are somewhat cheaper when you purchase them directly from the website rather than purchasing them offline because it reduces the cost of agent commissions. Online purchase of life insurance can also be cheaper due to the elimination of intermediary cost, documentation cost. Some insurance providers also provide discounts.

The only disadvantage of purchasing a life insurance policy online is that there is no middle man or an agent involved to guide you, it is you who has the responsibility to have a thorough research on the product you want to purchase. This could be a hidden advantage though. You don’t need to be dependent on an agent for choosing the plan, or filling the application form, you can easily fill in your details, calculate premium for your insurance premium, make payments, upload and submit documents online on the website. Purchasing life insurance not only saves money but saves your time as well. You can avoid the chances of getting misled or fraud when you opt for purchasing online.


To purchase life insurance online or offline is a choice that you need to make. Purchasing online can be very beneficial and convenient in many ways, the reason being no operational cost, reduced paperwork, easy purchase, easy renewal, protected payments and total transparency. Purchasing through an agent can be tricky, because they can manipulate your decision by insisting you buy the life insurance policy from their company or they may convince you to buy a life insurance policy by manipulating the terms and conditions in your favour which may be misleading. To avoid fraud and to make an informed decision you can choose to purchase the life insurance policy online.

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