I tried to get insurance in Germany. I had to visit an agent in person. They downloaded a PDF file, printed it out, and filled it out by hand. He would then FAX it to the insurance company. Three days later, I get a four page letter from the insurance telling me to expect mail from them.

And another week or two later, they actually process the application. I whined to my friends just how stupid this process is, and they all told me that this is pretty typical and I really couldn’t expect to just apply online and have a decision the same day