Insurance distribution is undergoing rapid transformation, as carriers strive to improve service, keep up with customer expectations, maintain a steady pace of digital innovation and take advantage of opportunities to grow. The Internet of Things (IoT) is currently the industry’s most significant disruptor, but also provides insurers with the means to improve customer understanding and optimize customer interactions while it also drives a shift from traditional indemnification to prevention and real-time protection.

In its recent distribution and agency management survey, Accenture polled 414 senior executives at more than 400 large and medium-sized life, P&C and multiline carriers in 20 countries for their perspective on how their business and operating models are currently being disrupted.

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