independent distribution

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  Emerging technology and the future of distribution

  By Brian Anderson  |  December 2, 2012

  There is a place for the independent life insurance producer in tomorrow’s multi-channel, consumer-driven “I want it now” world. But it’s not so much face-to-face with the customer (unless it’s a video chat).

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  The future of distribution

  By Brian Anderson  |  November 1, 2012

  Younger clients expect to purchase life insurance in an entirely different fashion.

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  The dangers of ignoring the middle market

  By Brian Anderson  |  October 1, 2012

  While wealthy consumers get plenty of attention from independent producers, the channel still can’t figure out how to meet the glaring needs of the middle market. It’s a disparity that’s risky for middle-income families, the tax-advantaged status of life insurance — and the independent distribution channel itself.

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  The dangers of ignoring the middle market

  By Brian Anderson  |  September 26, 2012

  A focus on wealthy clients is risky for middle-income families, the tax status of life insurance — and the independent distribution channel itself.

• Banks starting to invest in life sales

  By Brian Anderson  |  September 1, 2012

  When I first started working on Part III of my six-part series on threats to the independent life insurance distribution channel, I didn’t anticipate that the “alternative distribution channels” installment would focus so heavily on the bank channel.

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  Bank channel eyes life insurance growth

  By Brian Anderson  |  September 1, 2012

  Younger consumers are more open to buying life insurance from banks, and banks are happy to hear it.

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  The impact of a universal fiduciary standard

  By Brian Anderson  |  July 30, 2012

  As it becomes more likely the SEC will impose a universal standard, independent producers have reason for concern.

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  Where Are the New Independents?

  By Charles K. Hirsch, CLU  |  July 9, 2012

  Three producers weigh in on the lack of new independent agents, and what the industry can do about it.

• Raising the Threat Level

  By Brian Anderson  |  July 1, 2012

  The long-term viability of the independent life insurance distribution channel cannot merely be assumed and is far from assured.

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  Threats to Independents

  By Charles K. Hirsch, CLU  |  July 1, 2012

  Recruiting is a challenge, and BGAs are a valuable ally. But alternative distribution channels and emerging technology, according to our panelists, do not pose a danger to independent distribution.