Both! While the upside, especially as an independent agent we have access to so much more information quicker that it helps us to deliver better service and respond quicker to the needs of our clients. However, with the ease of access comes the danger of bad information, or misleading information because of the desire in the marketplace to be first to the table and acquire that new customer. And, for many of the consumers they can caught in the trap and purchase something they did not really understand and didn't fit their need because they tried to purchase from an automated system and not their personal agent. They just bought the price.

There is still a great need for personal service and a personal agent!