Τα τελευταία χρόνια, με την ανάπτυξη των εναλλακτικών δικτύων ασφάλισης (on-line πλατφόρμες, τράπεζες κλπ) υπάρχει τάση υποβάθμισης του ρόλου του ασφαλιστικού συμβούλου και πώς αυτός επηρεάζει το όφελος του ασφαλισμένου.
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