InsuranceGuy29
Guru
- 627
This is spot on. And all ai really is, is just Google on steroids. That's it. It's nothing groundbreaking when you think of it.To do any insurance correctly, you have to commit days and weeks to become knowledgeable enough to make the right decision.
Too many subjects to stay on top of: government regs and changes weekly, taxes, income, financial planning, family, aptc, CSR silver, family glitch, MP3, irmaa, eligibility determination, correct enrollment, network chnsges, carrier differences, prescriptions, claims, personal health, group plans, creditable coverage, LEP, medicaid, chip, soc sec, pharmacies, canada, goodrx, etc etc etc
Ai can't do this, and I remember when the internet was supposed to replace agents. Didn't happen. Only grew my biz. Google has all the answers now and people still won't take time to research, they don't have the time. As I don't have time and hence why I hire out other professions like accountant, fin advisor, air cond, realtor, plumber, etc
If commissions go away, fees will become the replacement income
They recently did a study and it found that most younger people don't even Google things anymore. If they don't know something, they just call someone that can do it for them, or it goes unsolved.
They put zero effort in to doing even the most basic research task. There's literally generations of learned helplessness and a complete Idiocracy coming up, and they think they can cut agents out. LOL. Good luck!
I find most people just have zero insurance knowledge and are completely exhausted and overwhelmed with this information-heavy world.
They don't want to do this stuff, and most don't have the will or energy too. It's very boring, very tedious, and most people have no attention span anymore. It took MANY years for me to even have a decent functioning knowledge of insurance, and I'm a damn agent.
Many times, I still need to research things VERY in-depth, because laws and rules are always changing. Some things take days and days, and they think the average person is gonna do this in this modern exhausting world?? Not a chance.
Just because technology exists, it doesn't mean people are gonna like it or want to use it. Even for my few clients that are tech-savvy and decent at researching, I still get calls like "Hey man, I spent hours researching this and I still have no clue what to do, what do you think?...."
And I'm always like "BELIEVE ME, I understand....." And people like that are rare unicorns among my clients.
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