Do I have to go through a specific company's own agent to buy their life insurance policy?
Answered by 6 licensed agents
Answered by Taylor Langlois on September 3, 2026
Agent Licensed in KS
1. Companies who require consumers to go direct to them. You can call the company directly to purchase life insurance.
2. Companies who hire agents to solicit their polices. If you call them, they may refer you to one of their agents in your area.
3. Lastly there are companies who do not hire agents at all & they do not sell direct to consumers. If you call them, they will require you go through an independent agent or broker. They may also direct you to an agent/broker in your area. These brokers represent many carriers.
Some companies operate as #1 & #3. They will write some of their products direct to consumers while others products are distributed through independent brokers.
So the answer to your question is it depends on the company.
Answered by Sandra Bailey on September 3, 2026
Broker Licensed in TN
Answered by Norma Reynoso on September 3, 2026
Broker Licensed in CA & TX
Lt Col Tim Brown
Contact me.
Answered by Lt Col Tim Brown on September 17, 2026
Agent Licensed in TN, AL, AR & 7 other states
Answered by Chauncey Quinn on September 3, 2026
Broker Licensed in MI, GA, IA & 8 other states
When meeting with an agent, it’s always good to ask them if they are a broker or if they are a captive agent.
Very few carriers use only captive agents.
Answered by Hector Vazquez on September 3, 2026
Agent Licensed in FL
Tags: New to Life Insurance
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