This paper investigates Generation Y’s channel choice decisions and influencers in the service sector from the pre-purchase to the post-purchase phase. Qualitative interviews conducted with 56 respondents show that, contrary to expectations, a large majority of Generation Y members still need human contact for information searching and purchasing, and does not rely on social media for purchasing complex service products, such as insurance policies. We identify three profiles according to the channel path. Human contact seekers heavily depend on parents in their decision process, they look for a personalized relationship and they need to interact with a salesperson whether in an agency or via distance relationship channels. Independent and parental advice seekers rarely visit a store but show the need to develop a distance relationship with the salesperson. Human interaction with the salesperson can be embodied through a distance relationship with traditional communication tools (e.g. telephone) and new digital communication tools (e.g. videoconference; chat).