3.0 3.3 3.0 3.0 3.8 3.8 3.5 5.0 5.0 5.0 5.0 5.0 5.0 5.0 4.2 4.1 4.1 4.0 4.3 4.5 4.3 Policy customisation and flexibility Omnichannel access and communication Professionalism of agent/ sales staff Disclosure on policy terms and reliability of agent support Identity verification and KYC Ease of current condition assessment - medical test / vehicle check Quote generation and payment High variance in ratings Source : ÀÖÓ㣨Leyu£©ÌåÓý¹ÙÍø CX survey co - created with EQUiTOR Value Advisory Rated on a scale of 1 - 5, 5 being highest CX le ader Segment CX laggard