Description: Product complexity, the services provided by distributors, their method of obtaining clients, and their relationship to insurers all affect the characteristics of in force membership. Selecting the distribution channel(s) for a product can have a significant effect on overall profitability. Total sales, acquisition costs, anti-selection/quality of business, persistency, control over market targeting, etc., will vary based on the initial strategy decisions and future adjustments. Gaining a high-level understanding of distribution channels will help develop an appreciation for the importance of these decisions.

Description: The Distribution Channels: Part 1 -- Agent Channels provides general information on agent distribution channels covering a high-level perspective of members and the pros and cons to insurers.

Description: Product complexity, the services provided by distributors, their method of obtaining clients, and their relationship to insurers all affect the characteristics of in force membership.

Description: Overview of call center and digital sales platforms for the development of distribution strategy in the individual insurance market.