The insurance distribution system is changing ever faster. Independent agency companies are going direct and direct and captive agent carriers are using independent agents. Customer attitudes are changing as fast, if not faster. Consumers' expectations continue to rise, prodded by good experiences offered by other service providers. Insurance service is no longer measured against other insurance service offers, but against travel agents, auto repair garages and banks.
Consumers expect to be able to transact business based upon their schedules.
Customer loyalty has eroded, causing many policies to be shopped annually. Computer Industry Nowhere is the rapid pace of change as evident as it is in the computer industry. Over the past 30 years, computers have shrunk from room filling to slipping into a breast pocket. Computing power that had been centralized and jealously guarded is now distributed to the managers and associates that need the information for daily decisions. Networks of computers have been created, first within departments and buildings, then across the country.