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Mark A. Breading, Partner

Publication Date: October 6, 2022

Number of Pages: 13

Price: $2,495.00 USD

Through the years, personal lines agencies are often the first to experience changes in insurance distribution, especially those involving technology and digital transformation. With further distribution changes expected in the coming years, both insurers and agencies may have to shift their strategies to support one another and maintain a competitive advantage.

This SMA report provides actionable insights for carriers on distributor plans and expectations and highlights new research from a survey of executives at agencies and brokers focused on personal lines. The report looks at agencies’ current state of automating business with carrier partners, agents’ satisfaction with insurers’ digital offerings, and the top investments agencies think insurers should prioritize among sixteen digital sales and seventeen digital servicing capabilities. The report ends with key recommendations on areas insurers should focus on to navigate a changing technology landscape and evolving agent/broker expectations.

Traditional and Transformational Initiatives for PC Insurers 3

Table of Contents

  • The Evolution of Personal Lines Distribution 3
  • Current State of Personal Lines Automation 5
  • Business Drivers for Technology Investments 6
  • Agency Satisfaction with Insurers’ Digital Offerings 8
  • Digital Offerings for Sales
  • Digital Offerings for Servicing
  • Where Should Insurers Invest? 9
  • Tech Investment Plans for Digital Sales Capabilities
  • Tech Investment Plans for Digital Servicing Capabilities
  • SMA Call to Action 12
  • About Strategy Meets Action 13
  • Use of Our Reports
  • About the Author