If you have a Gmail account, there is a high probability of your inbox receiving frequent offers on insurance policy offers. So much is the online clamour to sell insurance that a life insurer has claimed to have gone almost agent-less with only the online route to buying their policies. Predominantly, an online life insurance sale happens in the term policy category, because it has managed to become a commoditised product in which price comparison is what that matters as the policy benefit is straightforward—on death of the policyholder the insurer pays the sum insured and if the policyholder survives, he gets back no money.