In the first place.....
Who buys their other important insurance policies without a state-licensed and state-regulated agent to advise them on which particular policy gives them the coverages they need, at the most affordable cost?
I've never (and WOULD never) bought our homeowners', auto, flood, life, golf cart, RV, nor any other insurance policy of that importance without an agent who is monitored for the legality of his practices by the state insurance commission.
I don't think any of us has ever gone online to buy insurance with the help of unlicensed, unregulated, recently employed "navigators" on whom criminal background checking was not done.
Going to a website that is usually fouled up, and that had no method of premium payment included for at least the first two months, is senseless.
It's not the concept or goal that is bad. It is the method.
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