But not a conversation to a sales rep who will just push whatever gives them the largest commission.

I thought thees things were complex on purpose to make it hard for people to easily understand and compare so you have to speak to a sales person who can do the upselling

Nope. I built a calculator for that last year and ooooh boy. Now I pipe half the requests to a human because of all the possible mistakes a person can make. It's crazy complicated.

Finding that human is also hard because of the perverse incentives to sell more lucrative products.

That's my point, you need to be a specialist to understand it, but the specialists are incentivised to upsell you.

A simpler product would be better for consumers, but won't happen because there are industries (and a lot of lobbying) built up around keeping the money train rolling.

Not really. Some things are just complex.

Every time I go to a presentation about the health care options I have, it ends up just being the representative reading off a slide with the actual information. All the information I need is in print. I have never received a single piece of valuable information that wasn’t easier to get just reading the docs myself.

We might live in a different country and serve a different demographic.

My guy saved a lot of people from making dumb mistakes. Then again he's good at his job, and if he was not I would wipe his business. Aligning incentives was very important for me. Most brokers are just bad.