cluster insurance carriers have tra...

cluster insurance carriers have traditionally sought long-term relationships with a limited number of agents who are committed to their succes The carrier cultivates the relationship end extensive training programs, special considerations and attractive compensation packages that reward the two sales and persistency. The benefits are agents who are more familiar with the carrier's performances and services, a higher stop ratio, increased satisfaction and a genuine sensation of family.

This traditional theory is beginning to change, however, as online intermediaries make inroads. A latter survey of small to midsize form into groups insurance customers of Principal Financial arrange revealed that more than