Outside of maybe buying a company or some kind of complicated investment, there is no other purchasing experience quite like it in modern American life. It can take weeks, includes an army of statisticians and underwriters, and requires bodily fluids from the applicant. When it’s finally over, neither the consumer nor the agent
has any real insight into why the consumer received their specific policy.

As Forbes points out, it doesn’t have to be that way. The explosion of fintech in recent years allows consumers to purchase a wide variety
of financial products and services through mobile apps.

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