In fact both should fit into insurers and other sector's digital transformation plans.

Robo-advisors a good fit for 31% insurance customers.  At the other end of our spectrum, there's the traditional agent model for anyone who doesn't want to go through the process alone or has complicated needs that an experienced professional can help with. 69% of respondents to a recent Allianz survey said they don't trust advice found online, so they'd rather work with an agent than a robo-advisor -- so there's still a market out there for them.

There's plenty of opportunity to digitally transform the human advisors as well.

See "Digital Insurance Claims Transformation"

and "Expert view: Increase customer claims satisfaction with self-service"

Two practical means of digitally appealing to customers young and old.