Who should you buy your insurance with?

With so many option and so many fraud, which way should we pick?

Here's the 6 ways to buy your life insurance 1. via Companies representative - nice service, low option 2. via Bank - high responsibility, bad service, low option 3. via Tele sale - Very easy, bad service, low option 4. via Website - Varieties of option, good service, not every company have website 5. via Brokers - nice service, nice option, hard to find one 6. via Financial planner - best service, more than insurance, even harder to find one