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hi when it comes to purchasing life insurance one concern a lot of people have is the price right so what do they do we got a couple of options a lot of people get online and fill out a form and get an online quote and thats great now theres disadvantages and advantages to to both of these directions so with an online quote the advantage is you get something really quick okay the disadvantage though is that it doesnt always mean something by that i mean it runs your specific criteria through an algorithm its all automated and it spits out a number and until you go through underwriting it really doesnt mean anything and nor is there any kind of strategy or rationale behind that now the second direction if you dont want to just get an online quote is of course work with an agent so pros and cons to that an agent can provide a lot of great useful information so an agent can guide you through and navigate the process of the underwriting and an agent can make recommendations and help