Description: As technology continues to advance and consumers' preferences constantly change, the need for insurance to be sold at more competitive prices has become apparent, forcing the Broker channel to adjust its business model and also creating a new opportunity for the Direct-to-Consumer channel. The presenter will examine how various channels have co-existed in the past, and evaluate how they will evolve and co-exist in the future. The discussion will also include an analysis of a channel strategy to optimize results for the growth of a company. Presenters will include representative from the following distribution channels