In the 1990s, even when it took a slow dial-up connection and less sophisticated search engines to maneuver the information superhighway, there was discussion of how the Internet could impact future businesses like insurance distribution.

I was a part of numerous conversations and meetings where the prevailing thought was that insurance intermediaries (i.e., agents and brokers) were soon going to disappear because buyers would go online and purchase directly from carriers. There was also a large degree of channel conflict as intermediaries contemplated what it would mean if carriers leveraged Internet technology to go directly to consumers....

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