I went searching for reviews about ANICODirect.com as part of my research before purchasing my life insurance online. I had 2 poor experiences prior by applying on InsureMe and Insweb. They just ended up selling my contact information and I was bombarded by calls from insurance agents. Long story short, I ANICODirect.com them about my experience and to ask several questions. They are an "Insurance Carrier" which means you are actually buying life insurance online directly from American National Insurance Company which is like a 100 yr old public company. And, no risk of being stalked by a bunch of annoying life insurance agents. So I went to the site, filled out the application, paid my first payment and done. Applied, Approved and Covered in like 10 minutes! Exceeded my expectations. So I'd recommend that you forget the agent and buy direct online at ANICODirect. -- Sarah