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Technology advancement, digital research and consumer preferences have disrupted the marketplace for many insurers. However, technology has limitations and many consumers continue to value the relationship that only professional insurance agent can deliver.

Harvard research students explore the market trends, consumer expectations and industry failures that are driving many insurers to rethink their distribution strategy.

Let’s face it, although there are many rewards for the small business owner in our country today, there is often great sacrifice made on the road to success. This sacrifice can come at a cost far greater than the eye can see. And unless you have experienced it for yourself, you may never know what a successful business owner has gone through to reach the top.