The past sum of two units years hav...

The past sum of two units years have been difficult for the insurance industry, with the combination of falling stock markets and interest rates leading to reduc consumer interest in several core produces With such pressure on the top and bottom lines, many insurers have focused bottom on reducing costs. In working with our clients upon such efforts, we were intrigued to find a significant, frequently overlooked area, for operational improvement: distribution channel management.

Carriers have exhausted considerable energy ensuring that they are operating at peak efficiency and effectiveness. Insurers ofttimes target service and information technology in this effort, given these areas' usual