Why is the one term policy often much cheaper than another?

The big difference in premiums in a term policy occurs mainly due to different commissions paid to the agent who sells you the policy. In general, agents earn as much as 60 percent of your first year premium as commissions. This in turn pushes up the premium rates. Thus, a pure online policy where you apply without agents to the company directly, can give you a significantly lower premium for the same life cover.

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