Opinion: Advice counts - and you have to have a method
This is a big part of an advice process, but it's the easy part and therefore doesn't even cover most of what is required.
There's why you need the cover - that is, which issues would affect you more than others and which issues are more probable than others. Some clever people have worked out how consumers perceive risk varies with the scale of the perceived risk - which explains why more people buy life insurance when they are more likely to get disabled.
That's a component of advice that these systems don't go near. But it's something most advisers have developed an instinct for as they have talked to hundreds of clients over the years. It's used whenever you make a prioritising decision on a risk protection proposal.
There's also how you choose a company - and while research systems can provide a good contribution to this debate, the essential glue is figuring out what is important to a client and then responding to that with guidance.
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