So it is apparent to most everyone that Mergers and Acquisitions are on the rise in the insurance world. Soon enough they will have a MASSIVE impact on my piece of it; the independent broker channel. I’m sure in some pockets it has already started. Fact is the industry and the American public will be better off with less independent agencies. Many existing brokers have not ” kept up with the times..” so to speak which reduces the overall customer experience, gives the insurance companies to much power(which most are not using wisely) , reduces the ease to entry into the business and creates where we are today; Non insurance people entering to take over.