Insurance products in present times are complex and nothing can stop its complexity growth besides maybe the ability to understand these products both for sales person and client. Generic insurance products with simple conditions may be risky for providers because the reality is changing dramatically and every day may bring something new.
Classic insurance quotig process may lead to costly legal disputes about interpretation and every such dispute will bring either financial loss, settlement, or scratch on reputation which is everything in the industry.
Complex products however require time to configure if made by human. Additionally fewer and fewer customers wants to interact with salesman trained in persuasion techniques. More and more customers wants to take quality time to make own decision and wants to make its own wise choices.
Best solution it to make tool where time and pressure are not relevant anymore providing enough information to make wise choices and finally win win deal.