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Conning’s recent study on property-casualty insurance distribution made some pretty obvious observations about its competition: specifically, that Web aggregators are giving traditional agents and brokers a run for their money by allowing prospects to get quotes directly online. However, the report observes that this same system’t built-in flaw is that most aggregator transactions are one-and-done deals that don’t yield repeat business. On the other hand, banks — the other “threat” in the Conning report — are leveraging both the ability to compare rates on the Web and building relationships with customers to ensure repeat business.

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