Do I need to meet a life insurance agent in person, or can everything be done over the phone or online?

Answered by 4 licensed agents

Generally, this is not a requirement to doing business with an agent. In fact, a large number of life insurance agents do just that primarily reaching out by phone to mortgage protection and final expense candidates.

That said, some carriers or states might have requirements on how a form is signed, or whether they'll even allow an electronic application.

The more important issue is that the agent needs to be licensed in the state of your residence, which becomes more important when dealing either through texts, emails, video meetings, etc, as the odds increase you'll speak with a non-resident agent if you're working primarily through digital means.

Answered by Jim Mentink on September 11, 2026

Agent Licensed in ME, FL, IL & 8 other states

Answered by Jim Mentink Life Insurance Agent
I have done in home presentations however ever since covid, 98% of my business is now done over the phone and zoom.

Answered by Tim Cassidy on September 24, 2026

Broker Licensed in TX, AL, AR & 35 other states

Answered by Tim Cassidy Life Insurance Agent
Everything can be done over the phone however, wouldn’t you want to meet the person and know who they are?

Clifford Moss

Contact me.

Answered by Clifford Moss on September 24, 2026

Agent Licensed in CT, AL, FL & 10 other states

Answered by Clifford Moss Life Insurance Agent
Either approach can work. Almost always it's better to meet an agent face-to-face. Most people don't even know what questions to ask. A good independent agent can review all the options available to you to make sure you get the right policy at the right premium.

Answered by Edward Fisher on September 24, 2026

Broker Licensed in MI

Answered by Edward Fisher Life Insurance Agent

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