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It’s hard to ignore the talk around the commoditization and disintermediation of personal lines insurance and its implication of the slow but inevitable demise of the personal lines agent.  Consumers’ expectations are pushing insurers to provide on-demand, online and mobile underwriting platforms and service solutions. The growth in the direct channel has been phenomenal and will likely continue.  Comparative raters, increasing advertising budgets and sophisticated technology has made buying and selling on price rather than value a major focus in recent years, especially in auto.  

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