Which insurance is best online or offline?
Online term insurance offers higher sum assured as it comes with low premium costs and low morality risks depending upon the insurer's age, habits and income. Offline term insurance also offers great sum assured but due to the high cost of premiums and agent's commission, people generally go for low sum assured.
Is it better to use a local insurance agent?
Local agents have insider knowledge of your home's location and community, giving them an edge over big-name companies that may be located states away, Greene says. Local agents that work and live in the same area you do provide distinctly personalized service to homeowners shopping for insurance.
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