[codingdave]

I'm not sure there is much that would compel me to change... Finding a broker is a question most people solve when they first start needing insurance. The only reason to switch would be a breakdown of my current broker. It just isn't something I shop for... the problem is solved acceptably in the status quo.

Which is a bit of a problem for this idea... you aren't solving a problem... just adding a new flavor to existing solutions.