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.
I'm in the midst of researching an article for Tech Decisions on the sharing of technology ideas and part of the article is being driven by the technology advisory council set up by Progressive with some of their independent agents.
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