Direct answer
Yes, it is typically cheaper because buying online eliminates intermediary agent commissions and reduces operational overhead costs for the insurer.
Comparative data from IRDAI annual reports on distribution costs for direct-to-consumer insurance products. For further insights on industry distribution patterns, see the Insurance Regulatory and Development Authority of India (IRDAI)‘s annual reports.
What this means for you
Yes, it is typically cheaper because buying online eliminates intermediary agent commissions and reduces operational overhead costs for the insurer.
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