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When purchasing life insurance, many people are concerned about the price. One common approach is to get an online quote, which offers the advantage of immediacy. However, the downside is that these quotes are generated by algorithms based on general criteria and do not provide a comprehensive analysis until underwriting is completed. Alternatively, working with an insurance agent has its own pros and cons. An agent can offer valuable information, guide you through the underwriting process, and make tailored recommendations. Ultimately, each option has its benefits and drawbacks, and understanding them is crucial to making an informed decision.