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There is no single model that will guarantee success for agents in an evolving P&C market where customers are lured, through developing technology, to direct writers, but agencies willing to adapt should still be able to define and reach target markets going forward.

A report released by McKinsey & Co., “Agents of the Future: The Evolution of Property & Casualty Insurance Distribution,” notes the changes over the past decade in personal lines auto insurance, which was once a profitable line of business for agents.

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