LIC Agent vs Buying Direct – Pros and Cons
| Factor | Through Agent | Direct (Online) |
|---|---|---|
| Premium | Higher (agent commission) | Lower (Tech-Term saves 10-15%) |
| Guidance | Personalized advice | Self-service |
| Claim Help | Agent assists | Self-process |
| Documentation | Agent manages | You manage |
Verdict: For tech-savvy buyers wanting term plans: Buy Tech-Term online, save premium. For endowment/complex plans: Agent guidance adds value. Many people use agents for complex plans and buy term directly.
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