Life insurance companies are taking advantage of the Internet by having a website where customers can request free quotes. Even though you are shopping for life insurance, this also gives the agents leads that they can follow up on, once you submit a request, the agent that picks it up will send you an email giving you a quote. He / She may follow up on the lead by making a call to you a few days after you receive the quote.
Making a living in the life insurance business is hard work. Agents have to constantly search for good life insurance leads that will bring them in new customers. They make a commission on each life insurance policy that they sell. They do not usually go door-to-door selling the policies and they can not just sit in their offices waiting for clients to come through the door. They actively pursue all the leads hiring that some of them will pay off. More than probably the quote you receive is the lowest life insurance rate that the company offers.
When you request quotes from at least three life insurance companies, you want to get the lowest rate. When the agents call based on the leads you supply, you can barter with them saying you are not interested because you have a lower quote. If they really want your business, the agent may redo the quote and come back with an even lower rate.
Another way that agents get life insurance leads is through other customers. One customer may tell a friend or family member about the great rate he / she has gotten from a company. Then this person gives the agent a call regarding obtaining life insurance and purchases a policy. It's like a never ending cycle. One person tells another and that person tells someone else and so on.
If you're a life insurance agent then life insurance leads are your lifeblood.