i'm in favour of more transparency in the insurance business where all available plans are easily available and the customer can research and decide on their own (or with advise of consultants/agents) what to get.

right now, all the knowledge is in the hand of agents and unscrupulous/unknowledgeable ones may steer you away from the plans you need to the plans they want.

sure the information may be highly technical and complex and not immediately understandable by customers, but more information is always better than less

one way or another, more information and less dependance on agents is a good thing.

reveal your super secret tables and formulas and ratios, so customers can get comparisons. let agents evolve into consultants, where customers go to get clarifications.

right now i am experiencing 3 different agents from 2 different companies telling me different things. and forummers telling me yet another thing.