The person who would choose to go left through the rugged path is someone who embraces life looking for short cuts. The person who would choose to go right on a longer journey but a safer road is someone who plans there actions before acting upon them.
Life is filled with challenging obstacles but those that plan to overcome those challenges have an easier time navigating life and doing the things they enjoy.
Insurance planning is much like the picture above, some purchase insurance through an online website while other require a licensed agent to advise and recommend based on there knowledge and expertise. You wouldn't climb the mountain through a treacherous rugged path then why would you purchase insurance solely through an online website.