You can buy term insurance direct online from an insurance company or through a broker or independent financial advisor.
Because term insurance has no investment element and getting the cheapest policy for the cover you require should be a high priority, you do not necessarily need financial advice.
However, if you do not feel comfortable about calculating the amount you need to insure for, or you would like advice on what assumptions to make about future investment returns and so on, it would be worth approaching an independent financial adviser.
You should also use an independent financial adviser if you are considering a flexible whole-of-life unit-linked policy, because this type of policy has an investment element.
However you choose to buy your term insurance, you will need to know certain things before purchasing a policy:

· The amount you want to insure for

· Whether you want lump-sum insurance or a family income policy

· How long you want the policy to last

· Whether you want the policy to be written in trust