A quiet revolution is underway, as technology changes the way insurers and consumers interact.

Part of that revolution can be attributed to the Internet and mobile devices. These command a small portion of the market in terms of premiums, but are having a "profound effect" on distribution channels, according to Swiss Re's sigma "Digital distribution in insurance: A quiet revolution."  

Consumers are increasingly researching policies, soliciting advice and obtaining personalized quotes online. They complete the sale online and turn to the Internet for post-sales assistance, including policy administration, claims and risk management services.

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