Platform Pressure
The insurance industry has always demanded a specific kind of producer — someone who can earn trust with a product clients can’t see, touch or fully understand until they need it.
Now those producers are also competing against direct-to-consumer platforms that have commoditized coverage. AI is reshaping underwriting and client engagement simultaneously, and every carrier has access to the same tools, the same models, the same outputs. When the infrastructure is shared, advantage goes to whoever invested in what the technology can’t replicate. All while a generational knowledge transfer is sending decades of institutional knowledge and relationships out the door at a pace nobody planned for.