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A.I. Will End the Independent Agency Model

Artificial Intelligence Will End the Independent Insurance Agency Model, artificial intelligence, A.I., insurance, insurance agenty, insurance agency, insurance broker, insurer, C. Constantin Poindexter

The Greatest Threat the Independent Agency Has Ever Faced: AI disintermediation estimates are almost certainly too low, and underestimated commission losses, carrier self-interest, and the speed of large language model deployment are conspiring to imperil the independent agency model of… Continue Reading →

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April 14, 2026

A.I. in Insurance? It’ll Never Replace Personal Relationships

Insurance is a Relationship Business, insurance, insurer, reinsurer, reinsurance, surety, C. Constantin Poindexter;

Insurance Is Relationship Business: Why AI Will Never Replace the Handshake That Binds a Tough Risk. My reflections on thirty years plus of insurance practice. After three decades of writing surety bonds, placing hard risks, and watching markets harden, soften,… Continue Reading →

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April 10, 2026

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