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Policies are often more "off-the-shelf," making them easier to understand for those with straightforward needs. Risks and Trade-offs What you need to know about buying Life Insurance direct

Many direct policies offer simplified applications with fewer medical questions or requirements compared to traditional "retail" policies. buy life insurance direct

Since no commissions are paid to advisors, some direct policies may have lower premiums. Policies are often more "off-the-shelf," making them easier

When you buy direct, you typically handle the application yourself—often through an online portal or a phone call with the insurer. Policies are often more "off-the-shelf