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Will the Gecko slay all the insurance agents?

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Do insurance agents of any kind really have what it takes to compete with Internet marketing (and the direct sales it empowers) and carriers who invest more in nonstop television advertising instead of much more costly career agent systems? In short, in an age when people are buying on price, not inclined to have sitdown meetings, and feel prepared to do their own product research, what kind of future really awaits today’s insurance agents?