You have a personal advisor for your IRA’s, investments, health, and wellness, etc., so why would you not have one for your insurance. You spend a lot of money every year on insurance, and it’s important to have an agent that you can talk to when you want or need too. This is not necessarily possible for consumers looking to purchase insurance online. There is a certain degree of trust that comes with sitting down and talking with someone face-to-face. On top of having built a personal relationship with your agent, your policies will also be periodically reviewed so you can be assured that you have the most competitive rates and coverage for when times get tough.
The majority of young people today put the idea of life insurance on the back burner. It is not at the top of their “Must Have” list. Why is that??? Maybe it’s because of a budget they have set. To young professional in their 20s or 30s, saving for a vacation seems much more important than setting money aside each month for a life insurance policy. However, as a young professional, setting money aside each month for a life insurance policy while you ARE young is not near as expensive as you may think it is (given you are in relatively good health).