Viewpoints

According to Google Research, 98% of Americans switch between devices throughout the course of one day. That includes everyone from millennials to baby boomers. Is your agency taking advantage?

At the recent Pathways to City Resilience Forum, financial and government leaders addressed how U.S. cities and institutions can build resiliency in three key areas: infrastructure, climate change and cyber.

The career agency force dropped to 145,000 in 2013, compared to some 250,000 career agents at the height of the career agency system. Is your agency taking advantage of this decline?

Connected residences now stream reports about security, temperature, air quality and more, presenting the opportunity for more precise underwriting and efficient communication. Is your agency ready to respond to the Internet of Things?

Connected homes, cars and selves have the potential to tremendously mitigate your clients’ risks—and in some cases, reduce the need for insurance altogether.

The justice system is addressing a case where an employer reduced employees’ hours to 30 a week. Whether or not the intent was to avoid providing health insurance is up for debate.

Recent reports indicate that expenses are increasing for young people. Independent insurance agents can be the objective third party that explains the ways of the world both in person and on their websites.

The infamous McKinsey Report in summer 2013 was perhaps the first to question whether auto insurance agents will become obsolete in the coming decades. But now, tech has added new wrinkles to the debate.

Last week, after years of proposed regulations and revisions, the Department of Labor sent the final version of the proposed fiduciary rule to the Office of Management and Budget for review and provided a formal notice of submission.

In order to succeed in the years ahead, insurance agents and carriers must develop a better understanding of data recovery—and the myths that surround it.