Having instant access to virtually everything, whenever and wherever has led to important changes in the way insurers interact with customers. Mike Hillman, managing partner at Three Rivers Insurance, an independent agency serving Iowa for 30 years, spoke with INN about how the company is responding to the always-on mentality and the cloud-based technology it implemented for employees, agents and customers in an effort to exceed expectations and shorten sales cycles.

INN: What are the biggest changes you've seen in the industry over the past decade?

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