Online life insurance companies either sell your information to strangers before you know if they can help you, or they represent one biased view-point. With your relative not yet being 12 months out from not smoking, I don't foresee a standard insurer offering life insurance for the time being. Clarifinancial will be up and running in a few months. You might be better off using a service like this. You would be able to receive customized quotes from a number of agents without all the hassle you described. If you see a quote you like, only then would you receive contact from the one you choose. That way, you know up front who can really help you the best.A single local agent wouldn't be able to cast their net as wide as multiple agents online. Plus, there are so many agents, how would you know which one is the best fit? Fortunately, there are easy solutions.
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