Walt Disney called the process of giving added value "plussing." His idea was to add value to a trip to a Disney theme park, a movie or anything else Disney produced. This extra value did not directly add money to Disney's coffers. It simply made the experience of going to a Disney function even more enjoyable.
The prospect of giving added value in any business, including insurance, is something worth looking into. In this way clients won't have to duck into a bathroom or engage in idle banter just to get away from a sales pitch they think is coming. Finding ways to give extra value in a business is a sure way to lock up clients for years to come. When they know it's not all about sales and selling, they are much more willing to become clients and customers.