For telephone insurance, it mostly appears in personal short-term accident insurance and vehicle property insurance, and family property insurance will also be involved. The advantage is that it is convenient and fast, and in some cases there are discounts; The disadvantage is that when you need more detailed explanations and services, you may not find a salesman to answer and help your questions and situations at the first time. In some cases, you may get compensation if a salesman gives you advice. But if there is no salesman, then the difference in one sentence may lead to the inability to claim or refuse to pay compensation.
For example: personal accident insurance, bicycle fall, hand fracture. The first theory is that you accidentally fell down while riding a bike, and your hand hit the ground and broke a bone. This is the most normal and concise answer. However, without the assistance of business personnel, it is easy to give such an answer, that is, the second statement, the front of riding a bicycle is blurred, and you fall down, resulting in a broken hand. The two look very similar, but the first one is external, and the second one is an accident that may be caused by disease. So we need a business person.