Don't be fooled by insurance companies! Well, maybe not (lol)

While watching YouTube, I saw an eye-catching thumbnail that said, "Don't be fooled by insurance companies." Next to it was an image of a car dealership president I'm subscribed to who never minces words. It was a long video, over an hour.
If you work in the insurance industry, a thumbnail like that catches your attention. Furthermore, since it featured a car dealership president I'm subscribed to, I watched it expecting him to talk about the dark side of the non-life insurance industry or the Bigmotor scandal.

I finished watching the long video at 1.5x speed, but I felt somewhat unsatisfied. The content was different from what I expected, and it felt one-sided.
First, it claimed that existing major insurance companies are full of salespeople who are knowledgeable about sales methods rather than the insurance content itself.
It also claimed that because major insurance companies have so many employees, they are favored as vote-gathering machines for politicians, while online-based companies are treated poorly because they have fewer employees and thus fewer votes. That's quite an aggressive scenario.

It makes the viewer feel that major insurance companies are stuck in old-fashioned ways with no progress, and that you shouldn't buy insurance from them. On top of that, it suggests we should support online-based companies more because they are breaking through the stagnant, bad industry.

Even if the president of Lifenet Insurance appeared, I thought it was too biased, but after I finished watching, I looked closely and saw: Sponsored by Lifenet Insurance (lol).

It is true that online insurance companies are cheap.
Car insurance is especially cheap. Since they don't have agencies in the middle, it's probably 10-20% cheaper. In addition, the fact that they don't have the overhead of widespread sales branches across the country, or the costs for claims service personnel at those branches to handle local accidents, is also a big factor.

Life insurance, in reality, is often not that cheap. There are rules like a minimum monthly premium of 3,000 yen, so you can't sell it for 500 yen a month like online insurance companies do, but an annual payment of 6,000 yen (500 yen x 12 months) is possible.
I can't compare premiums here because it gets complicated, but the difference in premiums between online life insurance companies and regular life insurance companies is not as large as it used to be. Unlike non-life insurance companies, life insurance companies might only have sales branches in prefectural capitals, or they might not have claims service personnel to handle local accidents, which could be one factor.

In any case, you are the one who decides.
I think it's fine to research the insurance you need and sign up online, or to use that research time for something else and sign up through someone you trust.

Finally, if I were to give advice as an insurance professional, when you sign up online, I would like you to have a third party look at the content before you click the contract button, rather than making a snap decision on your own.

Being cheap is important, but what are you buying it for? That is what matters.