E-signatures are one of the best examples of agents asking for and receiving tools from their carriers and vendors that enhance the customer experience. Steve Anderson, president of The Anderson Network, a consultancy specializing in agency technology, stresses that agents and brokers have more clout with carriers and vendors than they realize, especially when they join industry coalitions such as the Agents Council for Technology (ACT).

"Agencies need to reinforce the problems and security risks that multiple IDs and passwords cause," says Brian Bartosh, principal at Top O'Michigan Insurance in Alpena, Mich. and Applied Client Network representative for the ID Federation, an industry coalition that promotes information security and identity management. "Agencies need to be vocal. Carriers don't see the number of passwords we use."

According to the ID Federation, agencies and carriers consistently rank password management as the No. 1 pain point in daily operations.

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