Insurance companies are unique in that the vast majority of their interactions with customers are handled by an agent. In effect, a portion of technology investment is going towards improving the agent exsperience. Insurance companies have developed systems to advise agents on products tailored to specific customers based on their past interactions with the insurer and income level. Bajaj Allianz Life Insurance has a mobile app for hiring agents. This is beneficial for training, exams, and licensure. In the previous year, an insurance company hired 15,700 people digitally, cutting hiring time in half.