Insurance and wealth sectors rely heavily on intermediated distribution (brokers, agents, advisors) whose incentives, behaviors and compliance obligations shape adoption. Digital tools must coexist with relationship-based sales and advisory models.
Channel implications:
Broker/Advisor: Needs enablement + compliance + remuneration alignment
Direct Digital: Needs UX, underwriting decisioning and conversion optimization
Hybrid: Needs orchestration across advisor-led and self-serve transactions