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Online vs Offline Life Insurance

TeamAckoNov 2, 2023

Purchasing life insurance to protect loved ones is a major life decision for everyone. It requires deliberation on the policy's sum assured, premium payment term, and duration. In this regard, comparing and contrasting the advantages of purchasing term insurance online vs offline is worthwhile. Keep in mind that these are merely options for obtaining term life insurance. Let's start with the fundamentals before we get into the pros and cons of purchasing insurance online vs in person.



What is online life insurance?

Online life insurance is a process where you can buy a life insurance policy over the internet, i.e. online. This can be done through a website rather than a local insurance agent or regional office. The basic purpose of life insurance is the same as it was back in the beginning—to provide financial security for your loved ones after you pass away.

Buying Life Insurance online bypasses the need for human interaction (through middlemen). Purchase of Life Insurance online vs in-person does differ in a few key ways. Comparing the pros and cons of purchasing insurance online versus offline might help you find the best policy.

What is offline life insurance?

Buying a life insurance policy offline involves working with a local insurance agent or going to a company's branch office in person. By going this route, you'll be able to speak with agents who are well-versed in various plans and can help you choose the right one.

When purchasing insurance offline, you can consult with agents who will provide you with all the information you need to make a wise choice. This is a tremendous aid when the policyholder needs to gain insurance industry knowledge.

When online was not an option, the only way to obtain term insurance products was in person. This is one reason some consumers prefer to work with a life insurance agent, whether they want to buy, renew, or make a claim.

Advantages of buying insurance online

Buying insurance online has become increasingly popular in recent years due to the convenience and benefits it offers. Here are a few reasons why.

Easy comparisons

The greatest life insurance policies are readily available for comparison when you shop through an aggregator. If you go through an insurance salesperson, they will only sell you a policy from their firm, which means you miss out on this perk.

Hassle-free customer-care centre

In contrast to agents, who might not be reachable or who might not follow through on their promises, internet insurance providers can be reached at any time and are a "brand," a fully operating firm.

Better prices

Since there are no middlemen commissions to pay, the cost of purchasing a life insurance policy online is often slightly less than buying the same policy offline.Due to lower total expenses the average sum assured is typically higher when purchasing insurance online.

Saves time

Life's hectic pace leaves little room for pursuing goals that truly matter. Due to a variety of challenging circumstances, our priorities frequently shift. Many people don't get life insurance because they assume it will take too long to enrol. In this regard, life insurance policies purchased online shine as a viable option. Buying life insurance online is far more efficient than doing it in person because of how easy and quick the process is.


One of the biggest advantages of online life insurance is convenience. You can apply for life insurance from the comfort of your home or office, without having to visit an insurance agent's office. You can fill in the application form, upload the required documents and make the payment online. This saves you a lot of time and effort.

Quick processing

Online life insurance policies are processed much faster than offline policies. Once you submit your application and the required documents, the insurer will verify the details and approve the policy within a few days. This saves you a lot of time and ensures that you are covered as soon as possible.

The advantages of buying Life Insurance Offline

Offline life insurance is the traditional way of buying life insurance by visiting an insurance agent's office. Here are the advantages of offline life insurance.

Personal interaction

One of the biggest advantages of offline life insurance is the personal interaction with the insurance agent. The agent can guide you through the entire process, explain the policy features and help you choose the right policy. This personal touch can be comforting and reassuring.

In-depth information

When you visit an insurance agent's office, you can get in-depth information about the policy and ask any questions you may have. This can help you understand the policy better and make an informed decision.

Assistance with claim process

When you buy offline life insurance, the insurance agent can help you with the claim process in case of an unexpected event. The agent can guide you through the life insurance claim process and required documents you need to submit

Online vs. Offline Insurance: Which one offers more advantages?

Many consumers are still determining whether they should buy life insurance online or offline. Here are some deciding factors.


If you're concerned about premium cost of life insurance, you can save money by purchasing life insurance online instead of offline. However, before making your final decision, you should investigate the policies thoroughly and avoid basing it solely on the cost.

Knowledge about insurance policies

Some people find it easier to research life insurance online, while others prefer asking a local agent they trust. Since a life insurance plan can be purchased in either of these two ways, buying online or offline depends on how well you understand the product.

Challenges of the buying procedure

You can acquire a quote online, fill out the form by entering the necessary facts, and pay a premium to purchase a policy in minutes rather than hours or days when you buy life insurance offline.

Frequently Asked Questions

Here are some common questions about online or offline Life Insurance


Is online life insurance reliable?

Yes, online life insurance is reliable. You should choose a reputable insurer and read the policy terms and conditions carefully before buying the policy.

How can I compare different online life insurance policies?

You can visit the insurer's website or a comparison website and compare the policies based on their features, benefits and premiums.

Can I buy offline life insurance online?

Yes, some insurers allow you to buy offline life insurance online. You can visit the insurer's website, fill in the application form and the agent will visit you to complete the process.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on industry experience and several secondary sources on the internet, and is subject to changes. 


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