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In most cases, there are simply too many steps (and disparate systems) between a consumer/agent/carrier. (Photo: Thinkstock)

It could be argued that no profession in insurance is under the microscope more than that of an independent insurance agent. New startups seem to be breaking into the industry at a more rapid pace than ever and some of them make it abundantly clear that they are coming after agents.

However, studies continue to show that while consumers believe agents provide a sense of needed expertise in the complex insurance environment, it is imperative for agents to utilize pervasive tools such as the internet and technology to better communicate with their clients. This hope could be one of the reasons online insurance buying outside of personal lines has yet to flourish despite the high hopes.

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