"Direct platforms handle simple, commoditized coverage — they fail spectacularly on complex risks, bundled needs, and claims. That's exactly where you win."
"Which products are you most worried about — auto, home, business? The threat isn't equal across all lines."
"Direct platforms are a threat to agents who compete on price alone. If you compete on advice, coverage design, and claims advocacy — you have a moat. The question is whether you're communicating that moat well enough."
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