This is a question for which the answer is changing as the insurance market matures. For a long time it has been necessary to talk to advisors face to face to get good advice on any insurance, including life insurance. These advisors are now more and more available online, so it depends on your preferences as to whether insurance planning should be conducted on or offline. What is important is that the decision is carefully considered, and appropriate advice is found.
Making a life insurance purchase online without getting expert advice could lead to a coverage option which is not appropriate for your life circumstances. It is therefore important to consult an advisor, even if the purchase is made online. Everyone’s life situation is different, so this is not a decision that can be easily automated.
Find an advisor who can consult you on the coverage you need based on your circumstances. Once the coverage requirement is clear, get multiple quotes – online or offline – and make a purchase based on coverage as well as the reputation of the insurance provider. A life insurance policy is not good value if it does not cover the circumstances required and provide true security.