Millennials want tomorrows technology yesterday. Instead of being fearful that technology will hurt their business, brokers must embrace technology and meet clients where they are in their location or on the go.

The digitalization of businesses has innovated and grown rapidly due to the intense demand for simplification and access, so why shouldnt the world of insurance be the same?

Broker commissions are on the decline, and have even been eliminated in the individual insurance market. Brokers are understandably concerned and wondering if this means the end of the individual insurance market? The short answer is no.

The American workforce rests on the shoulders of small businesses, but the optimism of small and independent business owners has decreased.