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Ultimately, BofA is not predicting the overnight disappearance of the human insurance agent, nor is it suggesting that massive corporations like Coca-Cola will suddenly buy complex insurance policies from a chatbot. However, BofA warns that an agency business currently perceived as having 3% to 7% organic revenue growth could see that slip to 1% to 5% in the face of disruptive technology. BofA concludes that with 10% to 20% of current business potentially facing disintermediation, the industry’s premium valuations leave very little room for error.
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As someone who’s still clinging on to an iPhone 14, the generous storage and low cost of the iPhone 17e is intriguing. And it’s a far more attractive package than whatever Apple was trying to offer with the iPhone Air.
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