Roughly defined, disintermediation means removal of the middle man. Do a linear projection based on historical forces and you'll conclude that the disintermediation of the agent from the Personal lines process is inevitable. After all, when Warren Buffet, Conning & Company, banks, large insurance companies, and others agree on something, they must be correct, right?

SIMPLE WAYS TO DIFFERENTIATE YOUR AGENCY by E. Al Diamond Every year, I see agencies struggling with the problem of how to differentiate themselves from their competition. This is an especi...

SOLIDIFYING THE BOND WITH YOUR CUSTOMER by Jack Burke Very few people will recognize the name Hikari, unless they're in the beauty salon industry. Hikari is a scissors manufacturer and dis...