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I've been fortunate to have had a front-row seat for the insurance industry's remarkable digital transformation over the last decade. As the industry progressed to digital customer acquisition, roadblocks were created for some, the playing field was leveled for others, and the scales were tipped towards the consumer-direct channel.
In today's fiercely competitive environment characterized by low switching costs and growing product commoditization, captive carriers are constantly looking for any sustainable advantage. But they're often left competing head-to-head on price via shared leads curated through aggregators.
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