One area where I prioritize effectiveness over efficiency is income replacement underwriting and policy design. 

The efficient approach would be to quote a quick monthly benefit, send over an application, and move on to the next case.

Instead, I slow the process and dig deeper.  A strength I have is finding the holes in insurance policies and explaining that to the consumer in an easy to understand way. 

I review how compensation is structured, is it W-2, K-1, bonuses, stock based comp, deferred comp, or partnership income, because what counts as "income" on a claim is not always what clients think it is.

I also spend time stress testing definitions, exclusions, future increase options, and how existing group coverage may create dangerous gaps. That process takes longer up front, but it helps prevent the nightmare scenario where someone becomes disabled and discovers their "60% coverage" is really 20%.

Insurance is easy to buy quickly.  It is much harder to make sure it works when life goes sideways.