You’ve seen it happening. New players come into our industry and some go. There are entire conferences dedicated to displacing the insurance agency as we know it. You have read the many articles about the role technology is playing within the industry. We and those watching our industry refer to this movement as insurtech. The internet scared the industry 20 years ago. Today, insurtech is the boogey man haunting our industry. Should you worry? Yes. But, there is a key difference between the introduction of the internet and the increase in companies within the insurtech space.