A new study shows Americans are increasingly preferring to purchase their life insurance directly from the company either on the Internet, through the mail or over the phone. Two-thirds of Americans still prefer to buy life insurance from an insurance or financial professional, but a growing number like the idea of buying it directly.

Now more than one in four prefer this method. “‘Obviously, the Internet has fundamentally changed consumers’ buying practices over the past 15 years,” said Marvin H. Feldman, CLU, ChFC, RFC, president and CEO of the LIFE Foundation in a news release. “Recognizing the growing consumer interest to use the Internet to conduct research and buy life insurance, life insurance companies and agents have developed and implemented innovative strategies to engage and serve consumers through their websites and social media platforms that are more convenient for the customer.”

The study found that younger consumers have the most interest in making life insurance purchases directly from the company. Roughly one in three in the 25-44 age bracket say they would prefer to buy direct, with most saying the Internet was their vehicle of choice. This information was recently released in a new LIFE Foundation/LIMRA study called “The 2011 Insurance Barometer Study.” But no matter how they purchase it, most people agree that life insurance is a necessity, with 86% saying that most people need it.

When people fall into debt, it’s never the same between two individuals. Sure, you can compare what they’ve done and say that it’s simply a matter of paying for more than what they can afford, but the fact is that this never happens in an identical manner for every person. Rather, everybody who is in debt has fallen into it in a particularly unique way through expenses that they didn’t handle, and the results can get quite messy.

It may seem like that no matter what the economy is like in America, one thing that never changes is the fact that, for the majority of the US citizens, automobiles are a way of life. Whether it is getting to work or going to the movies, automobiles have fully entrenched themselves in the lives of the American public. With that said, it comes as no surprise that the rising cost of gasoline has definitely put a severe crunch on the American lifestyle, hurting the pockets of everyone who depends on motorized wheels to achieve a successful lifestyle.