While carriers contend with updating or replacing legacy systems and managing new and emerging forms of distribution, independent agents and brokers increasingly are caught between carriers' technology limitations and consumers' ever-evolving expectations for better, faster and more-informed sales and service interactions.

To better understand the state of technology-enabled agency/carrier relationships, we asked execs and customer-facing producers at a wide range of independent insurance agencies and brokerages (see below) to share their take on insurers' technology strengths and weaknesses, and describe opportunities for developing better working relationships.

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