How Agents’ Roles Are Changing in the High Net-Worth Market
As the number of high net-worth individuals (HNW) grows and more are considering self-insuring, agents’ roles are transforming from policy placement to strategic risk advisor.
Client Communication
High Net-Worth: What’s Fueling the Shift Toward Self-Insurance and How Agents Can Help
With rating climbing and coverage tightening, more high net-worth (HNW) clients are choosing to assume more risk themselves. Here’s how agents can help HNW clients evaluate their risk profile and tolerance.
Make Sure Your Marketing Doesn’t Become Exhibit A
Effective marketing is important, but careless marketing can be dangerous. When it comes to marketing while managing your own risk, the primary tip is simple: Don’t overpromise.
Top 10 Most-Read Online Articles in Independent Agent in 2025
Throughout the year, the Big “I” and Independent Agent magazine have been hard at work, examining emerging market trends and helping you be there for your clients with the latest insights.
Structure Fortification: What’s in It for Property Owners?
For homeowners and business owners, updating their structures comes down to one key question: Is it worth spending the extra money to achieve enhanced building standards.
4 Tips for Agents Looking to Grow Their Supplemental Health Care Book of Business
As health care costs continue to rise for many Americans, employers increasingly view supplemental health benefits as crucial for recruitment, retention and employee satisfaction.
Rising Homeowners Coverage Gaps Underscore Agents’ Expanding Role
As homeowners contend with inflation, extreme weather and increasingly complex coverage needs, new reports from Nationwide and The Hanover reveal widening gaps in insurance coverage—and an expanding role for agents helping clients navigate today’s risk environment.
Why Health Care Premiums Continue to Rise
Prescription drugs play a significant role in increasing health care costs, with Americans spending approximately $98 billion out of pocket on prescription drugs, a 25% increase over the past five years.
Risk Mitigation Technologies Are Becoming Essential in the Homeowners Market
Insurance agents who embrace risk mitigation technologies can strengthen underwriting, deliver value to customers and differentiate their service.
High-Value Customer Loyalty Most at Risk as Homeowners Rates Climb
Nearly half of U.S. homeowners have seen their insurance premiums increase over the past year, signaling growing concerns over insurer loyalty and long-term profitability, according to J.D. Power.
