How well does your seller understand your life insurance needs?

You say that seller must understand that ona size does not fit all is funny because nowadays so much media propoganda, web aggregators and financial planners say that only and only term is the insurance product one should buy which is exactly one size fit all theory. Also media and web aggregators and banks never understand and never try to understand the need of any buyer. I am saying media because they get paid for marketing. Everyone knows how banks sell oh sorry.....missell. in fact each and every policy sold by banks is misselling. Everyone also knows web aggregators promote plans in which they get highest commissions (the commission they get is much higher than what an agent gets). Even insurance companies tell all their sellers to focus and sell a particular product may be on the verge of closing. All of the above is misselling. And I do agree that few agents also missell but by enlarge agents are the only community who would do need based selling.