You can go to meet with a local agent, but do not expect miracles. They do not make the final decisions themselves. They submit your application to the insurance company, which is located somewhere else, and makes the decision. You still have to wait the same amount of time (longer if the agent is slow to send the application), and you are just as likely to be rejected. The agent cannot give you a counter-offer, for the simple reason that the agents cannot make, accept, or reject any offers; they just process paperwork for an insurance company located elsewhere which makes all the decisions.
The only difference is that agents use handwritten forms, and if the insurance company cannot read your handwriting, then you will have to wait longer or redo the form. Websites have you type everything, so there are no handwriting problems.
Before the Internet, they were turned down, they were not given counter-offers, and they had to wait much longer than day/weeks. They had to wait for months, and they still got the same result.
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