Believe it or not, just because insurance agents receive a commission, it does not necessarily mean the policy is over-priced. There are a lot of companies that sell insurance directly by mail and over the Internet who never use agents at any point in time. Just because there is no one receiving a commission when you sign-up for a policy does not mean you will save money either. You can find a very good deal, but it is still important to do your own research on any given company to make sure you are getting the best value possible.
A great way to do this is to contact a variety of different companies and inquire about the type of life insurance plan you are interested in. Most of them will give you a ball-park figure that you can use to compare quotes in order to get a feel for what the average going rate is for any given policy. You can even access quotes online instantly if you are so inclined. This is a great way to get the information you are looking for without even picking up the phone.