According to a recent survey of U.S. consumers, more than 32% of all respondents—and 50% of those aged 18–25—said they prefer to work directly with insurance carriers. We are also experiencing rapid changes in the amount of data that insurers are gathering and analyzing: The number of internet-connected devices and sensors is projected to reach 50 billion by 2020, providing real-time information that insurers can use for better pricing/underwriting. Meanwhil