Client Communication

“I see more people my age coming into the industry,” says young agent Ander Urdaneta, “and with new faces comes new ideas—and with new ideas, the industry is just going to keep growing.”

As wildfires, tornadoes and floods continue to disrupt the lives of millions across the U.S., our industry must face a hard truth: The current insurance purchasing journey often fails both consumers and the agents trying to serve them.

With restrictions on new business, carriers pulling out of the market, agency commissions taking cuts and underwriting giving the word “difficult” a whole new meaning, it’s no wonder coastal agencies have felt the impact of the last few years.

From the long-lasting impact of the pandemic to the turmoil of the hard market, personal lines consumer preferences are shifting. Here’s how independent agents can keep up.

Retaining clients can be challenging when faced with carriers withdrawing from markets, steep rate increases and an onslaught of remarketing requests from customers.

Among married-couple families in 2023, both spouses were employed in nearly 50% of families, according to the U.S. Bureau of Labor Statistics. Here are three considerations for serving dual-income households.

Independent agents can transform how customers perceive value in insurance, guiding them through a challenging and evolving market.

The industry must begin to rebuild relationships, truly committing to providing a better customer experience through transparency, education and innovation.