Insurance carriers — n = 71

Can a consumer find the right advisor on an insurance carrier’s website?

We walked every one of these 71 by hand and tested each against the same six things. Here is what we found, firm by firm.

What this group does, and does not, let a visitor do

71 insurance carriers audited here pass 2.21 of the six on average, but the middle one passes 1 — the mean does not describe a real surface in this group.

Against the 340 financial surfaces overall, this group is weakest on see a real person at all (52% here against 76% across the study) and reach them yourself (48% here against 60% across the study).

34 of the 71 reach nobody at all — no named advisor appears at any depth, so there is nothing for a visitor to choose between.

14 hand a visitor a named advisor they were given no way to choose.

8 pass all six. 34 pass none.

Can you see a real person at all?

52%

37 of 71

37 of 71 show a named advisor somewhere on the page without asking for a form first. On the other 34, a visitor never sees an individual at all.

Can you narrow by what you need?

23%

16 of 71

16 of 71 offer a control for specialty, credentials, or how an advisor is paid. On the other 55, location is the only thing a visitor can narrow by, or there is nothing to narrow by at all.

Can you narrow by who fits you?

20%

14 of 71

14 of 71 offer a control for the language a visitor speaks, the community they belong to, or the life event they are facing. On the other 57, who the visitor is makes no difference to who they are shown.

Can you reach them yourself?

48%

34 of 71

34 of 71 give a visitor that named advisor’s own phone, email, or calendar without submitting their details to the firm first. The other 37 do not.

Can you keep your details until you choose?

48%

34 of 71

34 of 71 let a visitor reach the advisor they picked without joining a queue, asking for a callback, or filling in a match form. On the other 37, the route runs through the firm.

Can a machine find them?

31%

22 of 71

22 of 71 put their advisors in the served bytes, where a crawler or an answer engine can read them. On the other 49, the advisors are invisible to machines.

If you run one of these: what Couplr does for insurance carriers. This page is the evidence; that one is what we do about it.

The rows

All 71, and what a consumer could actually do on each

Click a name to open its finding: the six with what carries each, what the walk ended in, every control on the page as the page labels it, and the URL we audited.

Insurance carriers — all 71 audited pages, grouped by the route a consumer got. Fieldwork closed 11 September 2026.
SurfaceThe SixStepsChoose byEnded inMachines
Short, and you chose16
  • See a real person at all — passes
  • Narrow by what you need — passes
  • Narrow by who fits you — passes
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — fails
1Short, and you choseDistance · Language · Specialty +1 more + locationTheir direct phone or emailPartly
  • See a real person at all — passes
  • Narrow by what you need — passes
  • Narrow by who fits you — passes
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — passes
1Short, and you choseDistance · Language · Specialty +2 more + locationTheir direct phone or emailYes
  • See a real person at all — passes
  • Narrow by what you need — passes
  • Narrow by who fits you — fails
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — fails
1Short, and you choseProduct/service line + locationNothingNo
  • See a real person at all — passes
  • Narrow by what you need — passes
  • Narrow by who fits you — fails
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — passes
1Short, and you choseRepresentative name · Service + locationTheir direct phone or emailYes
  • See a real person at all — passes
  • Narrow by what you need — fails
  • Narrow by who fits you — passes
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — passes
2Short, and you choseRadius · Agent name · Language +4 more + locationA named advisor — but a shared numberYes
  • See a real person at all — passes
  • Narrow by what you need — passes
  • Narrow by who fits you — passes
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — passes
2Short, and you choseDistance · Language · Credentials + locationTheir direct phone or emailYes
  • See a real person at all — passes
  • Narrow by what you need — passes
  • Narrow by who fits you — fails
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — passes
2Short, and you choseName · Specialty (Crop certification) · Specialty (Farm certification) + locationA booked meetingYes
  • See a real person at all — passes
  • Narrow by what you need — passes
  • Narrow by who fits you — fails
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — passes
2Short, and you choseName · Service / practice type · Distance +1 more + locationTheir direct phone or emailYes
  • See a real person at all — passes
  • Narrow by what you need — passes
  • Narrow by who fits you — passes
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — passes
2Short, and you choseAgent name · Specialty/product line · Language +1 more + locationTheir direct phone or emailYes
  • See a real person at all — passes
  • Narrow by what you need — passes
  • Narrow by who fits you — fails
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — fails
2Short, and you choseSpecialty + locationNothingNo
  • See a real person at all — passes
  • Narrow by what you need — fails
  • Narrow by who fits you — passes
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — fails
2Short, and you choseLanguage · Adviser name · Adviser surname + locationA promise someone will callNo
  • See a real person at all — passes
  • Narrow by what you need — passes
  • Narrow by who fits you — passes
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — passes
2Short, and you choseDistance · Specialty · Credentials +1 more + locationA booked meetingYes
  • See a real person at all — passes
  • Narrow by what you need — passes
  • Narrow by who fits you — passes
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — passes
2Short, and you choseSpecialty · Identity/community · Language + locationTheir direct phone or emailYes
  • See a real person at all — passes
  • Narrow by what you need — passes
  • Narrow by who fits you — fails
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — fails
2Short, and you choseDistance · Advisor name · Credential/designation + locationTheir direct phone or emailNo
  • See a real person at all — passes
  • Narrow by what you need — passes
  • Narrow by who fits you — passes
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — passes
2Short, and you choseLanguage · Specialty + locationTheir direct phone or emailYes
  • See a real person at all — passes
  • Narrow by what you need — passes
  • Narrow by who fits you — passes
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — passes
2Short, and you choseDistance · Specialty/product line · Language +1 more + locationTheir direct phone or emailYes
Longer, but the steps earned it4
  • See a real person at all — passes
  • Narrow by what you need — fails
  • Narrow by who fits you — passes
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — fails
3Longer, but the steps earned itDistance · Agency or agent name · Language + locationA named advisor — but a shared numberPartly
  • See a real person at all — passes
  • Narrow by what you need — passes
  • Narrow by who fits you — fails
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — passes
3Longer, but the steps earned itAdvisor name · Distance · Specialty + locationTheir direct phone or emailYes
  • See a real person at all — passes
  • Narrow by what you need — fails
  • Narrow by who fits you — passes
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — fails
4Longer, but the steps earned itProduct/enquiry type (does not act on people) · Language / site edition — English | FrançaisNothingNo
  • See a real person at all — passes
  • Narrow by what you need — passes
  • Narrow by who fits you — passes
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — passes
5Longer, but the steps earned itLanguage · Specialty + locationTheir direct phone or emailYes
Short — because you never got to choose8
  • See a real person at all — passes
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — fails
1Short, and you skipped the choiceLocation onlyNothingNo
  • See a real person at all — passes
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — fails
2Short, and you skipped the choiceLocation onlyNothingNo
  • See a real person at all — passes
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — passes
2Short, and you skipped the choiceLocation onlyTheir direct phone or emailYes
  • See a real person at all — passes
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — fails
2Short, and you skipped the choiceLocation onlyTheir direct phone or emailNo
  • See a real person at all — passes
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — passes
2Short, and you skipped the choiceName + locationA promise someone will callYes
  • See a real person at all — passes
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — fails
2Short, and you skipped the choiceLocation onlyA named advisor — but a shared numberNo
  • See a real person at all — passes
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — passes
2Short, and you skipped the choiceDistance · Name · State + locationTheir direct phone or emailYes
  • See a real person at all — passes
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — fails
2Short, and you skipped the choiceAgent name (state + agent dropdown) · Office (state + office dropdown) + locationTheir direct phone or emailNo
Longer, and the steps bought you nothing6
  • See a real person at all — passes
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — passes
3Longer, and it bought nothingAgent name + locationA booked meetingYes
  • See a real person at all — passes
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — passes
3Longer, and it bought nothingRadius · Agent name + locationTheir direct phone or emailYes
  • See a real person at all — passes
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — passes
3Longer, and it bought nothingLocation onlyTheir direct phone or emailYes
  • See a real person at all — passes
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — passes
3Longer, and it bought nothingEntity type — 'Find [office | rep]' (chooses what kind of result, not an attribute of a person) · Name — 'by last name' · Browse by state — 23 state index pages (location) + locationTheir direct phone or emailYes
  • See a real person at all — passes
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — passes
4Longer, and it bought nothingRepresentative or agency name + locationA named advisor — but a shared numberYes
  • See a real person at all — passes
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — passes
  • Keep your details until you choose — passes
  • Be found by a machine — passes
4Longer, and it bought nothingLocation onlyA calendar — but not that advisor’sYes
You can see them. You cannot reach them.3
  • See a real person at all — passes
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—Seen, not reachableNothingA calendar — but not that advisor’sNo
  • See a real person at all — passes
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—Seen, not reachableContact mode (assistance type) + locationA promise someone will callNo
  • See a real person at all — passes
  • Narrow by what you need — fails
  • Narrow by who fits you — passes
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—Seen, not reachableAdvisor last name · Language + locationA calendar — but not that advisor’sNo
No named person at any depth34
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allFirm/locationNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allProduct / service line (on the callback modal only)No named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allLocation onlyNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allNothingNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allNothingNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allProduct / service line (booking wizard step 1, and the /call-me Product select) + locationNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allNothingNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allLocation onlyNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allNothingNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allNothingNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allNothingNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allInsurance Type · Radius + locationNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allProduct / service line (the callback form's 'Select product') · Language — EXISTS, but it selects a brochure PDF, not a personNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allNothingNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allNothingNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allNothingNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allNothingNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allLocation onlyNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allProduct line (Auto & Home / Business) + locationNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allRadius + locationNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allNothingNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allNothingNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allNothingNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allNothingNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allNothingNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allNothingNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allNothingNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allNothingNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allNothingNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allLocation onlyNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allNothingNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allNothingNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allNothingNo named person at any depthNo
  • See a real person at all — fails
  • Narrow by what you need — fails
  • Narrow by who fits you — fails
  • Reach them yourself — fails
  • Keep your details until you choose — fails
  • Be found by a machine — fails
—No route at allNothingNo named person at any depthNo
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