I don't want to revive the old discussion about whether insurance agents are a dying breed, but it would be foolish to ignore the changes in the industry—particularly for personal lines agents—and what the future holds for them.

There remains a need for trusted advisors in insurance and that will never change. People who don't seek counsel on important issues are either incredibly smart or incredibly foolish—with a much heavier emphasis on the latter.

Not everyone knows what the best coverage is. Technology can play a role in helping to determine that, but self-help quizzes will never probe into your life the way an experienced agent can.

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