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Choosing insurance: talk to an adviser or DIY?

In our tech-savvy world, you might think AI has the upper hand. We have Alexa ordering our groceries, Siri giving us driving directions, and chatbots handling customer inquiries. But when it comes to sorting out insurance matters, we find that a lot of people still want to have a good old chinwag with a fellow human.

Don’t get us wrong – we’re all for tech advancement at LifeDirect. We built our handy quote compare tool so that Kiwis can easily browse through insurance options from NZ’s leading providers – all while lounging on their couch.

But we’re also real people helping real people. And there are moments when nothing beats a heart-to-heart chat with an insurance adviser to put your mind at ease. So why aren't we ready to send our fabulous adviser team on a never-ending holiday just yet? Let's find out.

Decoding insurance lingo

Let's admit it, understanding insurance can feel like decoding hieroglyphics. With so many unfamiliar terms and options, it can get overwhelming. “What does it all mean?”, you may ask. And that’s where talking with an insurance adviser can help.

Our friendly team of LifeDirect insurance advisers are well-versed in ‘insurance speak’ and can untangle the complexities, guiding you to make informed decisions tailored to your needs. Phew!

More than facts and figures

Yes, AI might a whizz at crunching numbers, calculating quotes, and comparing premiums at the speed of light. But insurance is not merely a maths quiz. It involves understanding your unique situation, empathising with your life's challenges, and sometimes, sharing a chuckle about your daredevil teenager who thinks they’re the next Tony Hawk.

This unique blend of emotional intelligence and human experience is something that machines just can't replicate. According to a 2022 study on AI and the future of healthcare, things like emotional intelligence, empathy, creativity, and ‘thinking outside a code’ are irreplaceable human skills. And we know, they’re also crucial skills when it comes to guiding people through their insurance decisions.

The power of trust

Insurance advice is all about trust. It’s about building a relationship where you can rely on the advice given, knowing it’s designed to protect your interests and help secure your financial future. It often requires opening up to someone about your concerns, dreams, and plans – information that helps shape the protection you seek.

You see, while technology can churn out quick answers, it lacks the capacity to really listen. Human advisers, on the other hand, can adjust their approach and even provide comfort during difficult conversations.

Complex claims handling

When you need to make a claim, advisers do more than just file paperwork. We help you gather necessary documentation, communicate with insurance companies, and navigate the complexities to smooth the claims process for you. This often calls for human judgement, problem-solving abilities, and effective communication skills – all things that may prove challenging for AI to fully replicate.

The LifeDirect difference: Best of both worlds

At LifeDirect, we understand the importance of balance. While our online quote comparison tool offers convenience, we still offer the human connection that many Kiwis seek when making significant decisions.

Our friendly advisers, always a phone call away, are ready to answer questions, provide expert guidance, or share a light-hearted moment. In everything we do, our mission is to make insurance more accessible, understandable, and – dare we say it – even a tad enjoyable.

So next time you face a complicated insurance decision or need assistance, remember that a LifeDirect adviser is just a call away, ready to guide you. Because sometimes, you just need to talk to a human being. Call us on 0800 800 400, start a Live Chat or fill in this form to get in touch.

 

Disclaimer: Please note that the content provided in this article is intended as an overview and as general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect current developments or address your situation. Before making any decisions based on the information provided in this article, please use your discretion and seek independent guidance.

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