Online Term Vs Agents' Term - Can Agents Compete Price-wise?

Can independent agents compete with Select Quote and other direct marketers of term insurance in terms of price?

New to the game and I have been told some conflicting things.

Anyone here who definitively knows and is kind enough to respond and share their thoughts?

My understanding is that the online and direct marketers pay lower commissions, thus offering more competitively priced product - apples to apples.

Can someone enlighten me please?
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