How much time on the phone with clients during quoting?

[PaulN]

This is specifically for non-P&C insurance sales -- how much time do you spend with your clients to help them understand the ins and outs of their insurance quotes? Especially interested to learn more about individual and small group benefits insurance but curious about other lines as well. Do you spend time on the phone with them or is it mostly email (or even in-person)?

I'm building some customer service software designed for brokers and want to make sure I'm barking up the right tree / building something that's actually useful