There are many insurance channels: general agencies, affinity groups (e.g. Costco, AAA), banks, agents/brokers, captive agents, direct sales. Stuckal reminded the audience that insurers still need to care for them, whether it be training, compliance, and particularly, making sure youre aligning your compensation options across the channels. Insurers also need to make sure sales commissions/incentives as well as retention incentives continue to be properly established as channels shift and change.