Even though sales and upgrades of electronic devices suchas smartphones and tablets are slowing down, people rely ontechnology more than ever before.

For example, some homeowners are using their smartphones tocontrol their heating and air conditioning systems or even turn onlights remotely. And thanks to the internet, information, goods andservices are available 24/7, 365 days a year.

But what does all that mean for the insurance industry as awhole and for independent insurance agents specifically?

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Rosalie Donlon

Rosalie Donlon is the editor in chief of ALM's insurance and tax publications, including NU Property & Casualty magazine and NU PropertyCasualty360.com. You can contact her at [email protected].