Recommended insurance via telephone

These days I got two calls from two different credit card centers. They managed to persuade me to join a certain insurance, which is a product cooperated with another insurance company. It is said that it is a telephone operation model learned from overseas. To be frank, I am annoyed with it. On the one hand, that kinda insurance may not suit me. On the other hand, telephone operation worried me. After all, it is not face-to-face. It seems that it is easy to accept with the help of an insurance agent. So I meant to refuse her when she call again. However, it is necessary to have insurance awareness as early as possible.