I also think if you are a personal lines P&C agency, it will be really tough to survive. I think we have 3-5 years max. Before agencies start dropping like travel agencies. I hope I am wrong, but I do not think I am based on how the trend has been in other parts of the world.

regaurdless If Walmart is working through an agency or not, doesn't matter. All people see walmart is selling car insurance. I suspect Google will setup the same way, use an online agency they own to offer insurance. I saw they purchased or partnered with coverhound.com, which is an online agency ou...

You pretty much have to give up your first born to get out of a SIAA contract, very tough. I had an lawyer review and they told me it was one of the most one sideded contracts he has ever seen in his 25 year career. This is the way I see it with SiAA. You get screwed multiple times by them... When y...

Sadly Nothing that carriers do to squeez us agents even more doesn't suprise me. Several years ago I had an insured get cancelled per their home inspection by the Hartford, so I moved their auto/home package to a new carrier. Less than a year later I get a call from our insured..."we just becam...