Allstate commits to an organization...

Allstate commits to an organizational overhaul that embraces a greater part for Internet sales. USAA uncloses its world of direct sales to novel partner Fortis Health. And Hartford Life taps into the business savvy of its legion of wholesalers to attract younger customers. These carriers and many others in latter years are using a growing variety of distribution channels--some tried and any new--to deliver their products to consumer

Innovative initiatives and strategies abound, many aimed at streamlining transactions for consumer and agents or gaining greater efficiencies from the agency rule itself.

If all this activity appears intense, it's ...