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Insurance still isn’t an easily understood product, so most buyers prefer to engage with a skilled intermediary to make sure they are fully covered and have their claims handled properly. (Shutterstock) Insurance still isn’t an easily understood product, so most buyers prefer to engage with a skilled intermediary to make sure they are fully covered and have their claims handled properly. (Shutterstock)

One of my very first articles as a reporter for National Underwriter nearly 40 years ago was about how industry analysts were predicting that direct to consumer sales bolstered by emerging technology would doom most property & casualty insurance agents to the same fate as buggy whip makers and milk men.

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