The above is unfortunately false. You will often find that, regardless of whether its over the telephone or online, brokers can often offer policies cheaper than going to the insurance companies directly. I can't think of a situation where it has been cheaper to go to a provider like for like as we (as is the same for most online brokerages) are able to discount the commission which therefore reduces the monthly premiums quite dramatically.

With regards to life insurance policies 99% of them are like for like. Critical Illness cover will always have a number of variables such as number of illnesses covered, additional benefits and services. The main factors that have a dramatic effect on the policy premium are whether it is Level or Decreasing term, or Guaranteed or Reviewable monthly premiums. I hope this helps.

Adam.