Economics 101. If life insurance could be sold online profitably, someone would be doing it already. Why pay the agents. Now what gets sold online is probably 0.3% of the life insurance market. Couple reasons for that is the person even if interested in life insurance, there is no urgency to complete the transaction. Most people who check online will complete how much they need and check the price quoted and stop going through the transaction when the insurance company starts asking medical questions or mentions a paramed/blood test. May be it is possible to sell online some FE policies and the occasional responsible child who wants to leave some money to their parents, otherwise this product can't be sold online. How are you going to build any urgency online? It is possible to collect names of people who may be interested in life insurance and then you still need an agent to close the sale. If we could come up with a way that life underwriters can check someone's facebook, twitter postings, klout score and just do a risk assesment based on that, may be it is possible to sell more life insurance in the future. Now who is going to friend the life insurance company or open up all their posting since middle school. Thats another story.