Robert Rusbuldt, president and CEO of the Independent Insurance Agents & Brokers of America (IIABA) , recently took issue with a McKinsey & Company report that suggests in today's digital economy, local agents are becoming unnecessary as the middleground between customers and carriers. Rusbuldt points out that agency's businesses are doing fine, and even ramping up, while arguing that McKinsey took too narrow a view in making its prediction.

For its part, McKinsey predicts the agents that will make it in the digital age are those who are part of large agencies, or conversely, those serving smaller, specialized niches.

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