The concept of "insurance is dead" or the view of "how much longer will we need brokers?" has always been slightly exaggerated for added effect.

Yes, the way business is processed is, and will change (for the better) but the value of a broker is not something that will so easily be pushed aside, no matter what form that broker takes shape.

A broker's main role is to: acquire a good understanding of its clients' needs and objectives; provide a superior quality, high value added service; and essentially find the product at the best premium - to negotiate a transaction between a consumer and a seller.

The broker is very much at the forefront of a consumers journey to finding insurance.