Whether direct, legacy or hybrid, the distribution model that a company selects will dictate how business is conducted and customers interact with the organization. (Photo: Shutterstock)

In the first part of our four-part overview of the current state of the insurance industry, we focused on what customers want, which is to feel cared for and part of the process. However, that is not the only changing element of the insurance industry and certainly not the only one that impacts the bottom line of an insurance company.

In addition to the impact of customer demands, the distribution model a company selects dictates how business is conducted and how customers interact with the organization. Today, insurance companies are faced with a few options for distribution models: traditional legacy with infield representatives; on-demand models that go directly to consumers; or a hybrid of these two models. So how do you determine which model is right for you?

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