Getting left behind?

Supermarkets and banks have both successfully entered the personal lines market and now pose a real threat. The sheer quantity of providers, and the number of distribution channels, has created a price-driven industry and a customer that is now confident enough to independently buy their own insurance. The question has to be asked, where does the broker fit in the future of personal lines?The market has changed over a short space of time and the distribution impact has seen an increase in th