Do I need to buy life insurance from a local agent or can I buy it online and/or over the phone/by mail?

You do not necessarily need to buy life insurance from a local agent, as it is possible to purchase life insurance online, over the phone, or by mail. In fact, many insurance companies now offer online platforms and digital tools that allow you to research and purchase life insurance policies from the comfort of your own home. When shopping for life insurance online, it's important to do your research and compare policies from different insurance providers. Look for companies with a good reputation and a strong financial rating, as this can help ensure that they will be able to pay out claims if necessary. You will typically need to provide information about your age, health, lifestyle, and financial situation in order to receive a life insurance quote online or over the phone. Depending on the company and the policy you are interested in, you may also need to undergo a medical exam or provide other documentation. If you prefer to work with a local agent, this can also be a good option. An agent can help you understand your life insurance options, answer any questions you may have, and guide you through the application process. Additionally, working with a local agent may be beneficial if you prefer a more personalized approach or if you have specific insurance needs that require a customized policy. Ultimately, the decision of whether to buy life insurance from a local agent or online will depend on your personal preferences and needs. It's important to do your research and compare policies and quotes from multiple sources in order to make an informed decision about the best life insurance policy for you.