Up until about 15 years ago, independent insurance agents could do far more than they are able to do now.

Back then, in the era of manual rating, when a customer came into the agency we could take out the manual, jot down and add up the premium, bind the policy on the spot and send the customer home with an ID card.

The agent was in control. But since the advent of predictive modeling, we've lost our ability to bind. Now, we must exit our agency platform and access multiple carrier platforms.

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