There is a big advertisement from Aviva in Today paper, encouraging the public to "buy direct" from them. They offer an attractive product that pays 3.5% interest rate.
Insurance agents will be facing more competitive pressure from the direct channel. I strongly advise the agents to adopt technology, improve their productivity and reduce the cost to their customers. They should continue to add value.
This is the best way for agents to remain relevant in the competitive market.
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