Geico is really two entities. One is the insurance company that provides auto and vehicle coverage. The other is the Geico insurance agency. They are simply like any other independent agency in that they represent other companies through which they place insurance. This is what Geico does with life insurance. If you purchase life insurance with them, it will be placed with a different company. That doesn't necessarily make it bad. It's most likely a company that many independents write through.
My advice is to find the right agent. One you can trust to do the best thing for you and your family, not just the cheapest option. Then listen to him/her and take their advice. You'll come out ahead in the long run.
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My advice is to find the right agent. One you can trust to do the best thing for you and your family, not just the cheapest option. Then listen to him/her and take their advice. You'll come out ahead in the long run.