Insurance agents aren’t dead yet, but even underwriters participating in the personal automobile insurance market may be looking for another line of work within the next two decades, industry observers said at a recent conference. “The most radical view of personal lines, given advances in digitization and advanced analytics, is that the need for people in the personal lines business is going away,” said Michael Pritula, director of the Global Insurance Practice of McKinsey & Co. “There are plenty of attackers that actually believe that they can do the whole business system with zero people,” he said during a session of the Property/Casualty Insurance Joint Industry Forum earlier this month.