The digital revolution has altered our lives in many ways over the last 20 years. Some of the most profound changes have occurred in the workplace, transforming even the meaning of the term "workplace" itself.

Twenty years ago, nearly everyone in the insurance industry worked in a business location, even though their responsibilities might frequently take them out into the field (i.e. producers, company marketing representatives, claims adjusters).

For most of the last 20 years, the major stumbling block for those who wished to work from home has been the telephone. Most businesses and individuals do not want personal home telephones used to transact company business or to incur the costs and integration complications of installing a business line in employee homes.

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