Why You Should Buy Life Insurance from a Local Agent, by Tom Monson
Life insurance isn’t something most of us like to think about, but let’s be honest—it’s one of the most important decisions you’ll ever make for your family. And when it comes to buying it, you’ve got options. You can click through an online service, or you can work with a local agent. Let me save you some time: the local agent is the better choice. Let me explain why.
A Local Agent is a Real Person
When you buy from a local agent, you’re dealing with someone who knows you. They live in your town, shop at the same grocery store, and might even cheer for the same high school football team. They’re not just a voice on a phone or an algorithm on a website. They’re someone you can meet face-to-face, someone who understands your community and the unique challenges that come with it.
When you have questions, they’re there. When you need help, they’ll pick up the phone and call you back. That’s something you can’t always count on with an online service.
They Make Insurance Make Sense
Let’s face it, insurance can be confusing. Policies are full of technical terms that feel like they’re written in another language. A good local agent will take the time to explain it all in plain English. They’ll walk you through the different types of life insurance, help you figure out how much coverage you need, and make sure you aren’t paying for extras you don’t.
Most importantly, they’ll tailor the policy to fit your life. They’re not there to pressure you into buying something you don’t need. They’re there to help you protect what matters most.
They Grow With You
Life doesn’t stand still. You might buy a life insurance policy when you’re single, but what happens when you get married? Or have kids? Or buy a house? Your needs change, and a local agent will be there to adjust your policy as life goes on.
Online services might send you a reminder email when it’s time to renew, but they’re not going to sit down with you and review your coverage. A local agent does that. They’ll make sure your policy grows with you, so you’re never caught off guard.
They’re There When It Counts
Here’s the most important part: when the worst happens, your local agent will be there for your family. They’ll walk your loved ones through the claims process, answer their questions, and make sure the policy delivers on its promise.
With an online service, your family might be left navigating customer service call centers and filling out endless forms. A local agent takes that burden off their shoulders. They’ll handle the hard stuff, so your family can focus on what really matters.
The Bottom Line
Life insurance isn’t just a product. It’s a promise. A promise to protect your family when you’re not around to do it yourself. And while the online route might seem quick and convenient, it can’t replace the human connection and personal touch of a local agent.
So, if you’re thinking about getting life insurance, take the time to sit down with someone in your community. Build that relationship. It’ll make all the difference when it really matters.
Because at the end of the day, life insurance isn’t just about money. It’s about peace of mind—and that’s something a local agent can deliver better than any website ever could.
Here’s the best of both worlds, buy Ethos from Tom Monson.
