Abstract: A public access kiosk that provides direct, real-time communication between customers and licensed insurance agents, customer service representatives, or other insurance company representatives or agents. Communication may be voice only, with or without an avatar, but also may comprise face-to-face video. The kiosk is connected to the Internet or other network, thereby providing voice, video, and other data to be transmitted in real time and providing around-the-clock, automated (semi or fully) self-service, with an option for a fully supported, face-to-face in-office agency experience. The kiosk may be used to provide insurance and other services, including but not limited to providing a “lightning quote” for insurance in five minutes or less, and in some variations, in 60 seconds or less. A “lightning quote” also may be provided through the Internet or a web site, or other means.