&quot;Once again: the worst that an insurance salesperson can do is sell you bad insurance. They&#x27;re not actually involved in medical procedures, so any harm they can do is financial.&quot;<p>Sorry, there are very clear knock-on health effects here you&#x27;re sweeping under the rug. Eg, if you&#x27;re expecting to be covered for an urgent emergency life-saving procedure. Maybe you personally have sufficient cash on hand to pay for any required emergency surgery, that doesn&#x27;t mean it&#x27;s just a &#x27;financial&#x27; problem to everybody else.<p>Do you really think it&#x27;s appropriate to have someone be denied a medical procedure, and hope they survive so they can go through a legal challenge afterwards for &#x27;fraud&#x27;, and hope they can successfully provide proof of fraud over incompetence based on some phone conversation several years ago?<p>Instead of the much simpler solution of requiring some minimum license  for the insurance seller?<p>I&#x27;m not sure about your online purchase example. Are you 100% sure these are the same insurance products requiring licenses as mentioned in the article, that no human sanity checks the product during the purchase process, or that the online algorithm itself didn&#x27;t go through a sufficient license-compliant certification process?