That technology would replace agents was yesterday's misguided prediction. Today, technology is an enabler and the carrier's challenge is twofold: offering the agency force access to proprietary systems while helping agents to work within their own management systems.

By Robert Regis Hyle

If there is a mantra for the insurance distribution channel today it would be ease of doing business. Selling pro- perty/casualty or life/health insurance through an agent is not the only way for insurance carriers to distribute their products, but it remains the best. The partnership between carriers and agents is as strong as it ever has been, so the challenge for both sides is how they can best serve each other and their policyholders.

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