As more things are done online, the convenience is undeniable. If you don't have to schedule an appointment to make a purchase, take time out, drive to a location and sit (sometimes uncomfortably) with a stranger, why bother? If you're an early riser or a night owl, why try to fit your needs within certain work hours?
I had a client ask me a couple of months back to quote her some permanent insurance for her and her spouse. They were just looking for funeral coverage. I did my research and got back to her with some quotes.