Most of the potential enhancements are realistic except for wanting “consistent lines of business across carriers”. Each insurer must decide for itself what lines of business it wants to offer, what the nature of each product should be (terms, conditions, and restrictions), and what to charge for each product (within legal and regulatory requirements). If that makes agent’s or broker’s lives harder then that is part of the cost of doing business as an intermediary.
Most of the potential enhancements are realistic except for wanting “consistent lines of business across carriers”. Each insurer must decide for itself what lines of business it wants to offer, what the nature of each product should be (terms, conditions, and restrictions), and what to charge for each product (within legal and regulatory requirements). If that makes agent’s or broker’s lives harder then that is part of the cost of doing business as an intermediary.