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Is it true Unlike tangible goods which can be seen and experienced before purchase , very few people feel the need for life insurance.
Conventional wisdom is that insurance is sold, not bought. Many people claim that insurance products, especially life insurance, are complex, easily misunderstood, need detailed medical data to be underwritten, and therefore have to be "sold" to customers.Accordingly, the insurance sector has operated over the past two centuries with a large intermediary agent force (both captive and independent) that carriers have relied on to build trust with consumers, understand their needs and eventually "sell" them insurance products. This means that the insurance sector has a high cost base (due to commissions to independent agents and/or the cost of acquiring and maintaining a captive agent force), complex processes and rules for underwriting, and opaque pricing.
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