Considering the "Last One Mile" in Life Insurance and Full Online Distribution

In an era of digital, it's widely recognized in the industry that : the complete digitalization of life insurance sales is challenging. At the heart of this is called "Last One Mile" problem, where, particularly in life insurance, customers often seek the human communication — a conversation or nudge from sales professionals — during the crucial final decision-making (closing) phase.

Despite advancements in machine learning, which boasts a broader range of knowledge than any human could, and generative AI, capable of sustaining meaningful communication, alongside AI avatars that foster a sense of intimacy, the quest for full digitalization in life insurance sales has yet to be achieved.

This situation shows the current technology's capability which is "acceptable" or "average".
Also, it tells the industry has accumulated highly optimized closing abilities with sales agent channel by over years, and further more importantly, sales professionals have remarkably positive atmosphere and communication skill sets.

While these thoughts may give an impression to you that it's like a emotional and sympathetic feeling towards sales professionals, I believe these observations could be critical insights into to what level technology should achieve.

We do respect our sales people and distinguished skills, and at the same time seek to think about how we can realize such superior sales skills digitally.