Every insurance company and its agents face the same hurdle each day: Convincing audiences that they should buy something they believe they don't need.

Selling insurance isn't like selling something people want. Consumers want iPhones and a nice-looking car. They will gladly pony up for them. They don't want to think about what insurance is protecting them from: Death, illness, fire, liability, etc.

But there is even a larger hurdle insurance providers face. People believe that insurance companies are frauds, only out to get their money and automatically fight any claims.

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