Forty percent of domestic policy purchasers consult human professionals despite utilizing digital platforms

Insurance Asia revealed that two in five Indian insurance buyers seek professional advisers despite conducting research online. The data points to a hybrid consumer approach combining digital self-service tools with traditional advisory consultations. Consumer finance products often involve complex policy wordings and long-term financial commitments, driving buyers to seek human validation despite the availability of online comparison tools.

In practice, this shifts how insurance distributors structure their sales funnels, emphasizing digital discovery backed by expert advisory support. Insurance agents and financial planners should integrate digital lead generation with personalized advisory services to capture hybrid consumers.

Tracking consumer preference shifts helps intermediaries optimize client engagement and advisory conversion strategies.