One of the things that has fascinated me in covering the insurance industry in these changing times is the evolving relationship carriers have with their agent/partners. Whether they are going the independent agent route or using captive agents, the relationship has steadily changed over the last decade and continues to change as we add a third, digital channel.

No one seems to be contemplating a future without agents anymore, but agents have had to accept the fact that the pie has to be shared with a carrier’s direct channel these days.

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